Call reports 2003
CITIZENS BANK OF AMERICUS — 2003
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 150,742,000 | 150,718,000 | 146,443,000 | 154,983,000 |
| Total loans | 77,916,000 | 81,051,000 | 82,652,000 | 85,055,000 |
| Allowance for loan losses | 1,227,000 | 1,238,000 | 1,285,000 | 1,263,000 |
| Securities available for sale | 47,769,000 | 43,034,000 | 38,499,000 | 42,549,000 |
| Securities held to maturity | 7,346,000 | 12,955,000 | 11,897,000 | 11,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,071,000 | 133,400,000 | 128,217,000 | 137,492,000 |
| Interest-bearing deposits | 104,548,000 | 103,763,000 | 99,444,000 | 106,414,000 |
| Noninterest-bearing deposits | 29,523,000 | 29,637,000 | 28,773,000 | 31,078,000 |
| Equity capital | 12,881,000 | 12,917,000 | 12,917,000 | 13,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,055,000 | 4,074,000 | 6,015,000 | 8,048,000 |
| Interest expense | 516,000 | 991,000 | 1,412,000 | 1,793,000 |
| Net interest income | 1,539,000 | 3,083,000 | 4,603,000 | 6,255,000 |
| Noninterest income | 432,000 | 906,000 | 1,473,000 | 1,970,000 |
| Noninterest expense | 1,058,000 | 2,121,000 | 3,178,000 | 4,317,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 219,000 |
| Pretax income | 864,000 | 1,765,000 | 2,742,000 | 3,713,000 |
| Income tax | 285,000 | 592,000 | 886,000 | 1,223,000 |
| Net income | 579,000 | 1,173,000 | 1,856,000 | 2,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,376,000 | 12,409,000 | 12,812,000 | 12,885,000 |
| Total capital | 13,549,000 | 13,633,000 | 14,027,000 | 14,146,000 |
| Risk-weighted assets | 93,762,000 | 97,937,000 | 97,141,000 | 100,872,000 |