Call reports 2024
CITIZENS BANK OF GEORGIA, THE — 2024
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 538,430,000 | 544,860,000 | 548,088,000 | 555,895,000 |
| Total loans | 278,321,000 | 275,529,000 | 281,467,000 | 287,882,000 |
| Allowance for loan losses | 3,822,000 | 3,871,000 | 3,932,000 | 3,992,000 |
| Securities available for sale | 196,851,000 | 206,200,000 | 214,142,000 | 213,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 493,684,000 | 498,914,000 | 495,735,000 | 505,947,000 |
| Interest-bearing deposits | 298,457,000 | 302,788,000 | 304,207,000 | 317,427,000 |
| Noninterest-bearing deposits | 195,227,000 | 196,126,000 | 191,528,000 | 188,520,000 |
| Equity capital | 42,728,000 | 44,439,000 | 50,718,000 | 48,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,111,000 | 12,559,000 | 19,277,000 | 26,153,000 |
| Interest expense | 1,687,000 | 3,475,000 | 5,345,000 | 7,198,000 |
| Net interest income | 4,424,000 | 9,084,000 | 13,932,000 | 18,955,000 |
| Noninterest income | 289,000 | 563,000 | 840,000 | 1,103,000 |
| Noninterest expense | 2,369,000 | 4,758,000 | 7,114,000 | 9,656,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 220,000 |
| Pretax income | 2,304,000 | 4,789,000 | 7,498,000 | 10,182,000 |
| Income tax | 588,000 | 1,221,000 | 1,912,000 | 2,459,000 |
| Net income | 1,716,000 | 3,568,000 | 5,586,000 | 7,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,651,000 | 55,502,000 | 57,520,000 | 57,430,000 |
| Total capital | 57,630,000 | 59,528,000 | 61,574,000 | 61,580,000 |
| Risk-weighted assets | 322,763,000 | 322,134,000 | 324,312,000 | 336,533,000 |
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