Call reports 2002
CITIZENS BANK OF AMERICUS — 2002
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 143,561,000 | 150,660,000 | 139,458,000 | 148,763,000 |
| Total loans | 74,371,000 | 78,879,000 | 78,415,000 | 77,678,000 |
| Allowance for loan losses | 1,110,000 | 1,095,000 | 1,139,000 | 1,167,000 |
| Securities available for sale | 45,891,000 | 47,843,000 | 49,826,000 | 51,617,000 |
| Securities held to maturity | 70,000 | 48,000 | 37,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,453,000 | 133,471,000 | 119,314,000 | 133,267,000 |
| Interest-bearing deposits | 98,075,000 | 102,990,000 | 93,494,000 | 98,885,000 |
| Noninterest-bearing deposits | 28,378,000 | 30,481,000 | 25,820,000 | 34,382,000 |
| Equity capital | 11,444,000 | 12,048,000 | 12,502,000 | 12,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,264,000 | 4,433,000 | 6,556,000 | 8,597,000 |
| Interest expense | 803,000 | 1,499,000 | 2,138,000 | 2,708,000 |
| Net interest income | 1,461,000 | 2,934,000 | 4,418,000 | 5,889,000 |
| Noninterest income | 381,000 | 842,000 | 1,299,000 | 1,815,000 |
| Noninterest expense | 1,047,000 | 2,083,000 | 3,082,000 | 4,075,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 350,000 |
| Pretax income | 733,000 | 1,541,000 | 2,456,000 | 3,380,000 |
| Income tax | 236,000 | 503,000 | 795,000 | 1,114,000 |
| Net income | 497,000 | 1,038,000 | 1,661,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,420,000 | 11,683,000 | 12,028,000 | 12,077,000 |
| Total capital | 12,530,000 | 12,778,000 | 13,167,000 | 13,239,000 |
| Risk-weighted assets | 89,882,000 | 94,457,000 | 91,656,000 | 93,464,000 |