Call reports 2001
CITIZENS BANK OF EFFINGHAM — 2001
What CITIZENS BANK OF EFFINGHAM reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 66,966,000 | 71,263,000 | 75,467,000 | 80,074,000 |
| Total loans | 53,352,000 | 57,379,000 | 61,184,000 | 69,060,000 |
| Allowance for loan losses | 656,000 | 703,000 | 734,000 | 767,000 |
| Securities available for sale | 4,051,000 | 3,553,000 | 6,579,000 | 6,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,661,000 | 64,720,000 | 68,704,000 | 72,727,000 |
| Interest-bearing deposits | 54,662,000 | 58,461,000 | 62,335,000 | 65,133,000 |
| Noninterest-bearing deposits | 5,999,000 | 6,259,000 | 6,369,000 | 7,594,000 |
| Equity capital | 5,869,000 | 6,053,000 | 6,268,000 | 6,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,425,000 | 2,869,000 | 4,316,000 | 5,702,000 |
| Interest expense | 730,000 | 1,501,000 | 2,295,000 | 3,030,000 |
| Net interest income | 695,000 | 1,368,000 | 2,021,000 | 2,672,000 |
| Noninterest income | 90,000 | 193,000 | 309,000 | 430,000 |
| Noninterest expense | 404,000 | 813,000 | 1,264,000 | 1,742,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 224,000 |
| Pretax income | 331,000 | 647,000 | 914,000 | 1,137,000 |
| Income tax | 102,000 | 221,000 | 333,000 | 400,000 |
| Net income | 229,000 | 426,000 | 581,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,814,000 | 5,997,000 | 6,151,000 | 6,307,000 |
| Total capital | 6,470,000 | 6,700,000 | 6,885,000 | 7,074,000 |
| Risk-weighted assets | 55,834,000 | 60,826,000 | 62,151,000 | 70,993,000 |