Call reports 2004
CITIZENS BANK AND TRUST OF WEST GEORGIA — 2004
What CITIZENS BANK AND TRUST OF WEST GEORGIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 472,730,000 | 498,993,000 | 509,587,000 | 519,615,000 |
| Total loans | 371,148,000 | 397,781,000 | 411,242,000 | 423,848,000 |
| Allowance for loan losses | 5,403,000 | 5,701,000 | 5,975,000 | 5,975,000 |
| Securities available for sale | 80,255,000 | 79,676,000 | 74,656,000 | 70,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,066,000 | 341,520,000 | 361,921,000 | 375,574,000 |
| Interest-bearing deposits | 282,497,000 | 294,979,000 | 316,237,000 | 330,359,000 |
| Noninterest-bearing deposits | 47,569,000 | 46,541,000 | 45,684,000 | 45,215,000 |
| Equity capital | 36,813,000 | 35,293,000 | 36,514,000 | 36,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,417,000 | 15,093,000 | 23,047,000 | 30,679,000 |
| Interest expense | 1,744,000 | 3,642,000 | 5,964,000 | 8,555,000 |
| Net interest income | 5,673,000 | 11,451,000 | 17,083,000 | 22,124,000 |
| Noninterest income | 1,209,000 | 2,553,000 | 3,905,000 | 5,258,000 |
| Noninterest expense | 3,350,000 | 6,671,000 | 10,147,000 | 13,332,000 |
| Provision for loan losses | 402,000 | 804,000 | 1,206,000 | 1,608,000 |
| Pretax income | 3,130,000 | 6,529,000 | 9,635,000 | 12,442,000 |
| Income tax | 1,167,000 | 2,427,000 | 3,577,000 | 4,621,000 |
| Net income | 1,963,000 | 4,102,000 | 6,058,000 | 7,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,776,000 | 35,578,000 | 36,166,000 | 36,558,000 |
| Total capital | 40,305,000 | 40,318,000 | 41,043,000 | 41,603,000 |
| Risk-weighted assets | 361,447,000 | 378,243,000 | 389,035,000 | 402,654,000 |