Call reports 2009
CITIZENS BANK OF EFFINGHAM — 2009
What CITIZENS BANK OF EFFINGHAM reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 242,163,000 | 240,449,000 | 237,351,000 | 244,276,000 |
| Total loans | 200,742,000 | 199,493,000 | 199,556,000 | 188,644,000 |
| Allowance for loan losses | 2,619,000 | 2,609,000 | 9,323,000 | 5,063,000 |
| Securities available for sale | 14,323,000 | 11,944,000 | 11,779,000 | 9,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,121,000 | 214,203,000 | 218,264,000 | 225,868,000 |
| Interest-bearing deposits | 197,781,000 | 193,823,000 | 200,080,000 | 208,246,000 |
| Noninterest-bearing deposits | 18,340,000 | 20,381,000 | 18,184,000 | 17,622,000 |
| Equity capital | 19,864,000 | 20,021,000 | 13,226,000 | 12,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,654,000 | 5,336,000 | 7,867,000 | 10,399,000 |
| Interest expense | 1,442,000 | 2,739,000 | 3,978,000 | 5,186,000 |
| Net interest income | 1,212,000 | 2,597,000 | 3,889,000 | 5,213,000 |
| Noninterest income | 332,000 | 555,000 | 895,000 | 1,167,000 |
| Noninterest expense | 1,253,000 | 2,444,000 | 3,571,000 | 4,894,000 |
| Provision for loan losses | 150,000 | 300,000 | 7,480,000 | 10,757,000 |
| Pretax income | 141,000 | 409,000 | -6,267,000 | -9,270,000 |
| Income tax | 52,000 | 105,000 | 233,000 | -1,977,000 |
| Net income | 89,000 | 304,000 | -6,500,000 | -7,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,689,000 | 19,878,000 | 13,054,000 | 12,261,000 |
| Total capital | 22,232,000 | 22,379,000 | 15,569,000 | 14,714,000 |
| Risk-weighted assets | 203,334,000 | 200,568,000 | 216,274,000 | 213,851,000 |