Call reports 2019
CITIZENS BANK OF GEORGIA, THE — 2019
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 321,648,000 | 326,206,000 | 329,438,000 | 324,675,000 |
| Total loans | 201,230,000 | 205,085,000 | 206,166,000 | 213,690,000 |
| Allowance for loan losses | 2,828,000 | 2,829,000 | 2,928,000 | 2,851,000 |
| Securities available for sale | 90,062,000 | 96,111,000 | 100,160,000 | 97,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,851,000 | 290,944,000 | 292,255,000 | 288,286,000 |
| Interest-bearing deposits | 196,561,000 | 200,811,000 | 197,649,000 | 200,568,000 |
| Noninterest-bearing deposits | 92,290,000 | 90,133,000 | 94,606,000 | 87,718,000 |
| Equity capital | 32,387,000 | 34,716,000 | 36,328,000 | 35,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,341,000 | 6,810,000 | 10,342,000 | 13,923,000 |
| Interest expense | 408,000 | 897,000 | 1,362,000 | 1,803,000 |
| Net interest income | 2,933,000 | 5,913,000 | 8,980,000 | 12,120,000 |
| Noninterest income | 211,000 | 423,000 | 779,000 | 1,000,000 |
| Noninterest expense | 1,754,000 | 3,535,000 | 5,305,000 | 7,113,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 1,390,000 | 2,801,000 | 4,354,000 | 5,914,000 |
| Income tax | 354,000 | 714,000 | 1,110,000 | 1,459,000 |
| Net income | 1,036,000 | 2,087,000 | 3,244,000 | 4,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,424,000 | 34,476,000 | 35,633,000 | 35,601,000 |
| Total capital | 36,196,000 | 37,327,000 | 38,513,000 | 38,510,000 |
| Risk-weighted assets | 221,666,000 | 228,061,000 | 230,273,000 | 236,166,000 |