Call reports 2001
CITIZENS BANK OF AMERICUS — 2001
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 128,229,000 | 126,257,000 | 132,231,000 | 149,785,000 |
| Total loans | 72,101,000 | 75,492,000 | 74,845,000 | 73,646,000 |
| Allowance for loan losses | 753,000 | 870,000 | 818,000 | 1,061,000 |
| Securities available for sale | 36,562,000 | 34,849,000 | 39,166,000 | 44,545,000 |
| Securities held to maturity | 1,546,000 | 1,296,000 | 1,156,000 | 1,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,614,000 | 109,902,000 | 114,655,000 | 131,857,000 |
| Interest-bearing deposits | 85,584,000 | 88,496,000 | 90,448,000 | 95,287,000 |
| Noninterest-bearing deposits | 25,030,000 | 21,406,000 | 24,207,000 | 36,570,000 |
| Equity capital | 10,976,000 | 11,040,000 | 11,238,000 | 11,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,397,000 | 4,855,000 | 7,220,000 | 9,510,000 |
| Interest expense | 1,011,000 | 1,997,000 | 2,973,000 | 3,895,000 |
| Net interest income | 1,386,000 | 2,858,000 | 4,247,000 | 5,615,000 |
| Noninterest income | 437,000 | 962,000 | 1,447,000 | 1,923,000 |
| Noninterest expense | 1,032,000 | 2,039,000 | 3,114,000 | 4,197,000 |
| Provision for loan losses | 110,000 | 260,000 | 710,000 | 1,045,000 |
| Pretax income | 693,000 | 1,533,000 | 1,924,000 | 2,350,000 |
| Income tax | 231,000 | 530,000 | 650,000 | 738,000 |
| Net income | 462,000 | 1,003,000 | 1,274,000 | 1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,886,000 | 10,870,000 | 10,863,000 | 11,201,000 |
| Total capital | 11,639,000 | 11,740,000 | 11,681,000 | 12,262,000 |
| Risk-weighted assets | 81,913,000 | 82,930,000 | 79,044,000 | 88,457,000 |