Call reports 2021
CITIZENS BANK OF GEORGIA, THE — 2021
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 441,688,000 | 459,465,000 | 480,719,000 | 477,634,000 |
| Total loans | 240,265,000 | 243,071,000 | 239,705,000 | 243,108,000 |
| Allowance for loan losses | 3,394,000 | 3,670,000 | 3,670,000 | 3,670,000 |
| Securities available for sale | 110,731,000 | 124,066,000 | 137,058,000 | 146,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,880,000 | 415,754,000 | 436,590,000 | 435,129,000 |
| Interest-bearing deposits | 255,093,000 | 261,438,000 | 273,730,000 | 275,247,000 |
| Noninterest-bearing deposits | 143,787,000 | 154,316,000 | 162,860,000 | 159,882,000 |
| Equity capital | 41,771,000 | 43,061,000 | 43,595,000 | 42,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,668,000 | 7,273,000 | 10,709,000 | 14,023,000 |
| Interest expense | 182,000 | 327,000 | 450,000 | 554,000 |
| Net interest income | 3,486,000 | 6,946,000 | 10,259,000 | 13,469,000 |
| Noninterest income | 260,000 | 455,000 | 682,000 | 938,000 |
| Noninterest expense | 1,945,000 | 3,927,000 | 5,919,000 | 7,898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,801,000 | 3,474,000 | 5,022,000 | 6,509,000 |
| Income tax | 459,000 | 886,000 | 1,281,000 | 1,565,000 |
| Net income | 1,342,000 | 2,588,000 | 3,741,000 | 4,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,683,000 | 41,927,000 | 43,082,000 | 42,678,000 |
| Total capital | 43,896,000 | 45,231,000 | 46,450,000 | 46,128,000 |
| Risk-weighted assets | 256,824,000 | 263,919,000 | 269,106,000 | 275,708,000 |