Call reports 2022
CITIZENS BANK OF GEORGIA, THE — 2022
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 504,359,000 | 509,136,000 | 518,473,000 | 506,951,000 |
| Total loans | 244,209,000 | 256,233,000 | 259,114,000 | 259,828,000 |
| Allowance for loan losses | 3,670,000 | 3,666,000 | 3,739,000 | 3,889,000 |
| Securities available for sale | 151,588,000 | 161,300,000 | 169,734,000 | 187,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,983,000 | 472,336,000 | 484,109,000 | 471,536,000 |
| Interest-bearing deposits | 284,233,000 | 288,905,000 | 290,600,000 | 297,953,000 |
| Noninterest-bearing deposits | 181,750,000 | 183,431,000 | 193,510,000 | 173,584,000 |
| Equity capital | 38,048,000 | 36,338,000 | 33,750,000 | 34,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,335,000 | 7,058,000 | 11,468,000 | 16,456,000 |
| Interest expense | 80,000 | 149,000 | 358,000 | 766,000 |
| Net interest income | 3,255,000 | 6,909,000 | 11,110,000 | 15,690,000 |
| Noninterest income | 266,000 | 540,000 | 815,000 | 1,122,000 |
| Noninterest expense | 2,081,000 | 4,219,000 | 6,377,000 | 8,538,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 200,000 |
| Pretax income | 1,453,000 | 3,243,000 | 5,486,000 | 8,087,000 |
| Income tax | 371,000 | 827,000 | 1,399,000 | 1,934,000 |
| Net income | 1,082,000 | 2,416,000 | 4,087,000 | 6,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,760,000 | 45,092,000 | 46,765,000 | 47,005,000 |
| Total capital | 47,308,000 | 48,816,000 | 50,562,000 | 50,875,000 |
| Risk-weighted assets | 283,647,000 | 299,696,000 | 307,562,000 | 309,528,000 |