Call reports 2007
CITIZENS BANK AND TRUST OF WEST GEORGIA — 2007
What CITIZENS BANK AND TRUST OF WEST GEORGIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 521,827,000 | 524,776,000 | 528,353,000 | 507,393,000 |
| Total loans | 408,989,000 | 411,049,000 | 406,596,000 | 384,298,000 |
| Allowance for loan losses | 6,871,000 | 8,168,000 | 9,114,000 | 7,360,000 |
| Securities available for sale | 80,906,000 | 82,138,000 | 86,011,000 | 84,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,776,000 | 409,417,000 | 417,955,000 | 413,127,000 |
| Interest-bearing deposits | 379,554,000 | 361,920,000 | 395,908,000 | 394,223,000 |
| Noninterest-bearing deposits | 47,222,000 | 47,497,000 | 22,047,000 | 18,904,000 |
| Equity capital | 40,700,000 | 39,047,000 | 38,786,000 | 38,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,504,000 | 19,325,000 | 29,049,000 | 38,100,000 |
| Interest expense | 4,785,000 | 9,621,000 | 14,639,000 | 19,305,000 |
| Net interest income | 4,719,000 | 9,704,000 | 14,410,000 | 18,795,000 |
| Noninterest income | 1,264,000 | 2,478,000 | 3,442,000 | 4,340,000 |
| Noninterest expense | 3,993,000 | 7,706,000 | 11,436,000 | 15,278,000 |
| Provision for loan losses | 749,000 | 3,151,000 | 4,916,000 | 7,701,000 |
| Pretax income | 1,241,000 | 1,323,000 | 1,498,000 | 154,000 |
| Income tax | 442,000 | 424,000 | 465,000 | -130,000 |
| Net income | 799,000 | 899,000 | 1,033,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,450,000 | 39,399,000 | 38,354,000 | 37,286,000 |
| Total capital | 45,717,000 | 44,716,000 | 43,648,000 | 42,294,000 |
| Risk-weighted assets | 419,783,000 | 422,768,000 | 419,730,000 | 398,316,000 |