Call reports 2002

CITIZENS BANK OF EFFINGHAM — 2002

Name: CITIZENS BANK OF EFFINGHAM — FFIEC call report 2002
Creator: CITIZENS BANK OF EFFINGHAM

What CITIZENS BANK OF EFFINGHAM reported to the FFIEC in 2002, quarter by quarter.

PERIOD: 2002SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/b7956d46-fd4f-4fe9-bf24-a0aec98db3d3/2002

Balance sheet

What the bank holds and owes at quarter end

Measure	2002Q1	2002Q2	2002Q3	2002Q4
Total assets	88,407,000	92,764,000	96,257,000	100,599,000
Total loans	72,687,000	76,879,000	81,516,000	83,155,000
Allowance for loan losses	823,000	897,000	937,000	923,000
Securities available for sale	6,733,000	6,845,000	7,689,000	8,181,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	78,952,000	82,961,000	86,122,000	90,344,000
Interest-bearing deposits	70,291,000	73,126,000	76,101,000	78,811,000
Noninterest-bearing deposits	8,661,000	9,835,000	10,021,000	11,533,000
Equity capital	6,543,000	6,874,000	7,177,000	7,401,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2002Q1	2002Q2	2002Q3	2002Q4
Interest income	1,398,000	2,924,000	4,485,000	6,007,000
Interest expense	671,000	1,357,000	2,040,000	2,686,000
Net interest income	727,000	1,567,000	2,445,000	3,321,000
Noninterest income	112,000	240,000	389,000	541,000
Noninterest expense	481,000	978,000	1,501,000	2,126,000
Provision for loan losses	70,000	160,000	240,000	300,000
Pretax income	288,000	669,000	1,093,000	1,436,000
Income tax	108,000	238,000	393,000	510,000
Net income	180,000	431,000	700,000	926,000

Basel measures — not reported for every quarter

Measure	2002Q1	2002Q2	2002Q3	2002Q4
Tier 1 capital	6,484,000	6,735,000	6,979,000	7,205,000
Total capital	7,307,000	7,632,000	7,916,000	8,128,000
Risk-weighted assets	74,175,000	78,005,000	82,094,000	83,373,000