Call reports 2002
CITIZENS BANK AND TRUST OF WEST GEORGIA — 2002
What CITIZENS BANK AND TRUST OF WEST GEORGIA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 410,806,000 | 415,852,000 | 437,772,000 | 459,582,000 |
| Total loans | 320,428,000 | 327,799,000 | 344,410,000 | 362,311,000 |
| Allowance for loan losses | 4,608,000 | 4,713,000 | 4,595,000 | 4,940,000 |
| Securities available for sale | 60,012,000 | 62,042,000 | 65,371,000 | 66,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,672,000 | 305,650,000 | 319,658,000 | 320,668,000 |
| Interest-bearing deposits | 269,892,000 | 261,078,000 | 273,962,000 | 276,150,000 |
| Noninterest-bearing deposits | 45,780,000 | 44,572,000 | 45,696,000 | 44,518,000 |
| Equity capital | 30,291,000 | 31,569,000 | 32,521,000 | 33,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,587,000 | 15,198,000 | 22,946,000 | 30,895,000 |
| Interest expense | 2,680,000 | 5,331,000 | 7,906,000 | 10,456,000 |
| Net interest income | 4,907,000 | 9,867,000 | 15,040,000 | 20,439,000 |
| Noninterest income | 1,201,000 | 2,305,000 | 3,379,000 | 4,564,000 |
| Noninterest expense | 3,079,000 | 6,098,000 | 9,213,000 | 12,156,000 |
| Provision for loan losses | 675,000 | 951,000 | 1,337,000 | 1,943,000 |
| Pretax income | 2,451,000 | 5,220,000 | 7,966,000 | 11,001,000 |
| Income tax | 890,000 | 1,897,000 | 2,895,000 | 4,030,000 |
| Net income | 1,561,000 | 3,323,000 | 5,071,000 | 6,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,629,000 | 30,316,000 | 30,991,000 | 31,845,000 |
| Total capital | 33,483,000 | 34,329,000 | 35,257,000 | 36,250,000 |
| Risk-weighted assets | 307,561,000 | 320,361,000 | 340,914,000 | 351,845,000 |