Call reports 2006
CITIZENS BANK OF EFFINGHAM — 2006
What CITIZENS BANK OF EFFINGHAM 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 | 168,781,000 | 167,052,000 | 179,170,000 | 175,474,000 |
| Total loans | 124,126,000 | 134,425,000 | 138,509,000 | 139,819,000 |
| Allowance for loan losses | 1,788,000 | 1,917,000 | 2,053,000 | 1,917,000 |
| Securities available for sale | 16,879,000 | 17,357,000 | 19,556,000 | 19,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,333,000 | 148,090,000 | 159,615,000 | 155,246,000 |
| Interest-bearing deposits | 126,909,000 | 126,924,000 | 136,125,000 | 133,179,000 |
| Noninterest-bearing deposits | 23,424,000 | 21,165,000 | 23,491,000 | 22,067,000 |
| Equity capital | 15,293,000 | 16,032,000 | 16,554,000 | 16,964,000 |
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 | 2,977,000 | 6,289,000 | 9,853,000 | 13,440,000 |
| Interest expense | 1,065,000 | 2,224,000 | 3,521,000 | 4,879,000 |
| Net interest income | 1,912,000 | 4,065,000 | 6,332,000 | 8,561,000 |
| Noninterest income | 347,000 | 646,000 | 981,000 | 1,332,000 |
| Noninterest expense | 915,000 | 1,846,000 | 2,975,000 | 4,268,000 |
| Provision for loan losses | 126,000 | 252,000 | 378,000 | 378,000 |
| Pretax income | 1,218,000 | 2,613,000 | 3,960,000 | 5,247,000 |
| Income tax | 438,000 | 936,000 | 1,410,000 | 1,851,000 |
| Net income | 780,000 | 1,677,000 | 2,550,000 | 3,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,540,000 | 16,384,000 | 16,699,000 | 17,074,000 |
| Total capital | 17,217,000 | 18,195,000 | 18,587,000 | 18,964,000 |
| Risk-weighted assets | 134,011,000 | 144,775,000 | 150,839,000 | 151,177,000 |