Call reports 2001
CITIZENS BANK AND TRUST OF WEST GEORGIA — 2001
What CITIZENS BANK AND TRUST OF WEST GEORGIA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 359,831,000 | 369,072,000 | 388,967,000 | 403,645,000 |
| Total loans | 284,825,000 | 291,617,000 | 309,160,000 | 317,091,000 |
| Allowance for loan losses | 4,041,000 | 4,066,000 | 4,191,000 | 4,293,000 |
| Securities available for sale | 53,663,000 | 54,465,000 | 55,848,000 | 60,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,416,000 | 287,039,000 | 290,874,000 | 289,805,000 |
| Interest-bearing deposits | 238,317,000 | 245,505,000 | 248,002,000 | 245,181,000 |
| Noninterest-bearing deposits | 41,099,000 | 41,534,000 | 42,872,000 | 44,624,000 |
| Equity capital | 25,533,000 | 27,791,000 | 29,100,000 | 29,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,959,000 | 15,879,000 | 24,006,000 | 32,009,000 |
| Interest expense | 3,886,000 | 7,563,000 | 11,072,000 | 14,085,000 |
| Net interest income | 4,073,000 | 8,316,000 | 12,934,000 | 17,924,000 |
| Noninterest income | 966,000 | 1,940,000 | 2,838,000 | 3,921,000 |
| Noninterest expense | 2,774,000 | 5,522,000 | 8,412,000 | 11,601,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 2,052,000 | 4,305,000 | 6,706,000 | 9,365,000 |
| Income tax | 740,000 | 1,561,000 | 2,434,000 | 3,392,000 |
| Net income | 1,312,000 | 2,744,000 | 4,272,000 | 5,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,746,000 | 26,880,000 | 27,680,000 | 28,810,000 |
| Total capital | 28,160,000 | 30,412,000 | 31,383,000 | 32,641,000 |
| Risk-weighted assets | 272,516,000 | 282,059,000 | 295,737,000 | 306,049,000 |