Call reports 2020
CITIZENS BANK OF GEORGIA, THE — 2020
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 346,039,000 | 395,556,000 | 406,282,000 | 410,948,000 |
| Total loans | 219,279,000 | 251,512,000 | 248,509,000 | 234,303,000 |
| Allowance for loan losses | 2,853,000 | 3,352,000 | 3,353,000 | 3,394,000 |
| Securities available for sale | 101,065,000 | 98,752,000 | 103,710,000 | 107,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,757,000 | 352,935,000 | 362,728,000 | 368,775,000 |
| Interest-bearing deposits | 209,215,000 | 224,879,000 | 230,289,000 | 240,727,000 |
| Noninterest-bearing deposits | 96,542,000 | 128,056,000 | 132,439,000 | 128,048,000 |
| Equity capital | 38,779,000 | 40,219,000 | 41,312,000 | 41,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,534,000 | 7,688,000 | 11,241,000 | 15,142,000 |
| Interest expense | 415,000 | 747,000 | 1,034,000 | 1,265,000 |
| Net interest income | 3,119,000 | 6,941,000 | 10,207,000 | 13,877,000 |
| Noninterest income | 226,000 | 426,000 | 646,000 | 888,000 |
| Noninterest expense | 1,851,000 | 3,709,000 | 5,580,000 | 7,458,000 |
| Provision for loan losses | 0 | 500,000 | 500,000 | 500,000 |
| Pretax income | 1,494,000 | 3,158,000 | 4,773,000 | 6,807,000 |
| Income tax | 381,000 | 805,000 | 1,217,000 | 1,659,000 |
| Net income | 1,113,000 | 2,353,000 | 3,556,000 | 5,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,715,000 | 37,954,000 | 39,157,000 | 39,340,000 |
| Total capital | 39,624,000 | 40,940,000 | 42,126,000 | 42,542,000 |
| Risk-weighted assets | 232,718,000 | 238,327,000 | 237,110,000 | 255,895,000 |