Call reports 2007
CITIZENS BANK OF EFFINGHAM — 2007
What CITIZENS BANK OF EFFINGHAM 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 | 202,148,000 | 204,635,000 | 224,522,000 | 216,767,000 |
| Total loans | 152,087,000 | 166,125,000 | 175,246,000 | 180,207,000 |
| Allowance for loan losses | 2,076,000 | 2,195,000 | 2,364,000 | 2,192,000 |
| Securities available for sale | 20,775,000 | 20,746,000 | 19,948,000 | 18,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,380,000 | 182,382,000 | 201,556,000 | 195,455,000 |
| Interest-bearing deposits | 157,055,000 | 161,315,000 | 181,823,000 | 176,207,000 |
| Noninterest-bearing deposits | 23,324,000 | 21,067,000 | 19,733,000 | 19,249,000 |
| Equity capital | 17,792,000 | 18,378,000 | 19,330,000 | 19,515,000 |
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 | 3,774,000 | 7,934,000 | 12,334,000 | 16,501,000 |
| Interest expense | 1,636,000 | 3,519,000 | 5,659,000 | 7,769,000 |
| Net interest income | 2,138,000 | 4,415,000 | 6,675,000 | 8,732,000 |
| Noninterest income | 367,000 | 699,000 | 1,018,000 | 1,333,000 |
| Noninterest expense | 1,058,000 | 2,210,000 | 3,418,000 | 4,829,000 |
| Provision for loan losses | 126,000 | 252,000 | 378,000 | 378,000 |
| Pretax income | 1,321,000 | 2,652,000 | 3,897,000 | 4,858,000 |
| Income tax | 467,000 | 932,000 | 1,365,000 | 1,659,000 |
| Net income | 854,000 | 1,720,000 | 2,532,000 | 3,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,872,000 | 18,579,000 | 19,332,000 | 19,393,000 |
| Total capital | 19,944,000 | 20,774,000 | 21,696,000 | 21,585,000 |
| Risk-weighted assets | 165,765,000 | 178,080,000 | 189,760,000 | 191,754,000 |