Call reports 2006
CITIZENS BANK AND TRUST OF WEST GEORGIA — 2006
What CITIZENS BANK AND TRUST OF WEST GEORGIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 523,575,000 | 526,855,000 | 518,780,000 | 530,486,000 |
| Total loans | 412,579,000 | 406,655,000 | 404,501,000 | 414,566,000 |
| Allowance for loan losses | 6,314,000 | 5,963,000 | 6,258,000 | 6,490,000 |
| Securities available for sale | 78,550,000 | 81,103,000 | 80,207,000 | 78,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,581,000 | 399,667,000 | 408,920,000 | 410,312,000 |
| Interest-bearing deposits | 359,759,000 | 348,069,000 | 361,405,000 | 361,753,000 |
| Noninterest-bearing deposits | 49,822,000 | 51,598,000 | 47,515,000 | 48,559,000 |
| Equity capital | 38,558,000 | 38,610,000 | 39,715,000 | 39,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,631,000 | 17,879,000 | 27,567,000 | 37,115,000 |
| Interest expense | 3,604,000 | 7,505,000 | 11,741,000 | 16,377,000 |
| Net interest income | 5,027,000 | 10,374,000 | 15,826,000 | 20,738,000 |
| Noninterest income | 1,247,000 | 2,625,000 | 3,900,000 | 4,776,000 |
| Noninterest expense | 3,345,000 | 6,711,000 | 10,167,000 | 14,238,000 |
| Provision for loan losses | 543,000 | 1,169,000 | 1,956,000 | 3,839,000 |
| Pretax income | 2,386,000 | 5,119,000 | 7,603,000 | 7,437,000 |
| Income tax | 889,000 | 1,892,000 | 2,798,000 | 2,740,000 |
| Net income | 1,497,000 | 3,227,000 | 4,805,000 | 4,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,219,000 | 39,583,000 | 39,791,000 | 39,586,000 |
| Total capital | 44,488,000 | 44,880,000 | 45,110,000 | 45,072,000 |
| Risk-weighted assets | 420,534,000 | 423,082,000 | 424,623,000 | 437,901,000 |