Call reports 2010
CITIZENS BANK OF EFFINGHAM — 2010
What CITIZENS BANK OF EFFINGHAM reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 242,264,000 | 232,165,000 | 217,543,000 | 214,275,000 |
| Total loans | 183,177,000 | 172,461,000 | 162,304,000 | 144,780,000 |
| Allowance for loan losses | 5,111,000 | 3,940,000 | 7,890,000 | 4,990,000 |
| Securities available for sale | 10,772,000 | 11,523,000 | 9,279,000 | 9,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,253,000 | 217,006,000 | 208,292,000 | 206,490,000 |
| Interest-bearing deposits | 207,150,000 | 200,660,000 | 193,076,000 | 192,486,000 |
| Noninterest-bearing deposits | 17,104,000 | 16,346,000 | 15,217,000 | 14,005,000 |
| Equity capital | 12,007,000 | 9,192,000 | 3,228,000 | 2,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,485,000 | 4,953,000 | 6,685,000 | 8,848,000 |
| Interest expense | 1,127,000 | 2,239,000 | 3,246,000 | 4,218,000 |
| Net interest income | 1,358,000 | 2,714,000 | 3,439,000 | 4,630,000 |
| Noninterest income | 290,000 | 486,000 | -45,000 | 198,000 |
| Noninterest expense | 1,299,000 | 2,678,000 | 4,063,000 | 5,659,000 |
| Provision for loan losses | 727,000 | 3,784,000 | 8,588,000 | 9,567,000 |
| Pretax income | -378,000 | -3,262,000 | -9,257,000 | -10,398,000 |
| Income tax | 0 | 0 | 0 | -250,000 |
| Net income | -378,000 | -3,262,000 | -9,257,000 | -10,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,882,000 | 8,999,000 | 3,004,000 | 2,113,000 |
| Total capital | 14,325,000 | 11,304,000 | 5,222,000 | 4,226,000 |
| Risk-weighted assets | 209,984,000 | 182,776,000 | 171,785,000 | 166,776,000 |