Call reports 2005
CITIZENS BANK OF EFFINGHAM — 2005
What CITIZENS BANK OF EFFINGHAM 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 | 140,059,000 | 148,186,000 | 146,070,000 | 154,364,000 |
| Total loans | 112,812,000 | 115,090,000 | 118,303,000 | 122,809,000 |
| Allowance for loan losses | 1,391,000 | 1,567,000 | 1,739,000 | 1,681,000 |
| Securities available for sale | 10,609,000 | 14,674,000 | 15,616,000 | 14,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,248,000 | 131,794,000 | 129,161,000 | 137,178,000 |
| Interest-bearing deposits | 101,804,000 | 109,561,000 | 107,445,000 | 116,378,000 |
| Noninterest-bearing deposits | 22,445,000 | 22,233,000 | 21,717,000 | 20,801,000 |
| Equity capital | 13,172,000 | 13,882,000 | 14,367,000 | 14,629,000 |
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 | 2,071,000 | 4,416,000 | 6,978,000 | 9,769,000 |
| Interest expense | 577,000 | 1,234,000 | 2,020,000 | 2,942,000 |
| Net interest income | 1,494,000 | 3,182,000 | 4,958,000 | 6,827,000 |
| Noninterest income | 218,000 | 469,000 | 712,000 | 935,000 |
| Noninterest expense | 717,000 | 1,478,000 | 2,318,000 | 3,307,000 |
| Provision for loan losses | 126,000 | 252,000 | 378,000 | 438,000 |
| Pretax income | 869,000 | 1,923,000 | 2,976,000 | 4,019,000 |
| Income tax | 305,000 | 678,000 | 1,070,000 | 1,426,000 |
| Net income | 564,000 | 1,245,000 | 1,906,000 | 2,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,281,000 | 13,928,000 | 14,500,000 | 14,808,000 |
| Total capital | 14,672,000 | 15,429,000 | 16,034,000 | 16,425,000 |
| Risk-weighted assets | 116,326,000 | 120,010,000 | 122,545,000 | 129,300,000 |