Call reports 2005
CITIZENS BANK AND TRUST OF WEST GEORGIA — 2005
What CITIZENS BANK AND TRUST OF WEST GEORGIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 529,165,000 | 519,695,000 | 519,161,000 | 525,200,000 |
| Total loans | 434,120,000 | 423,889,000 | 415,008,000 | 409,629,000 |
| Allowance for loan losses | 6,016,000 | 5,906,000 | 5,647,000 | 6,058,000 |
| Securities available for sale | 68,660,000 | 67,480,000 | 68,720,000 | 74,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,669,000 | 396,426,000 | 399,023,000 | 406,455,000 |
| Interest-bearing deposits | 345,972,000 | 349,056,000 | 349,072,000 | 352,591,000 |
| Noninterest-bearing deposits | 47,697,000 | 47,370,000 | 49,951,000 | 53,864,000 |
| Equity capital | 37,481,000 | 38,666,000 | 39,374,000 | 38,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,915,000 | 16,156,000 | 24,548,000 | 33,243,000 |
| Interest expense | 2,834,000 | 5,937,000 | 9,080,000 | 12,451,000 |
| Net interest income | 5,081,000 | 10,219,000 | 15,468,000 | 20,792,000 |
| Noninterest income | 1,300,000 | 2,619,000 | 4,248,000 | 5,562,000 |
| Noninterest expense | 3,083,000 | 6,146,000 | 9,230,000 | 12,279,000 |
| Provision for loan losses | 450,000 | 800,000 | 977,000 | 2,024,000 |
| Pretax income | 2,848,000 | 5,892,000 | 9,509,000 | 12,051,000 |
| Income tax | 1,053,000 | 2,180,000 | 3,368,000 | 4,491,000 |
| Net income | 1,795,000 | 3,712,000 | 6,141,000 | 7,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,691,000 | 38,579,000 | 39,521,000 | 38,969,000 |
| Total capital | 42,857,000 | 43,666,000 | 44,499,000 | 43,835,000 |
| Risk-weighted assets | 412,430,000 | 406,124,000 | 397,587,000 | 388,130,000 |