Call reports 2004
CITIZENS BANK OF AMERICUS — 2004
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 162,039,000 | 157,794,000 | 148,779,000 | 158,758,000 |
| Total loans | 87,506,000 | 89,305,000 | 92,865,000 | 97,165,000 |
| Allowance for loan losses | 1,321,000 | 1,393,000 | 1,417,000 | 1,458,000 |
| Securities available for sale | 43,513,000 | 41,163,000 | 30,532,000 | 29,298,000 |
| Securities held to maturity | 11,114,000 | 13,470,000 | 13,085,000 | 12,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,622,000 | 140,809,000 | 127,100,000 | 140,731,000 |
| Interest-bearing deposits | 110,099,000 | 109,347,000 | 98,358,000 | 108,752,000 |
| Noninterest-bearing deposits | 34,523,000 | 31,462,000 | 28,742,000 | 31,979,000 |
| Equity capital | 13,351,000 | 12,831,000 | 13,752,000 | 13,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,212,000 | 6,320,000 | 8,448,000 |
| Interest expense | 380,000 | 746,000 | 1,116,000 | 1,530,000 |
| Net interest income | 1,758,000 | 3,466,000 | 5,204,000 | 6,918,000 |
| Noninterest income | 450,000 | 957,000 | 1,452,000 | 1,974,000 |
| Noninterest expense | 1,116,000 | 2,225,000 | 3,452,000 | 4,606,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,027,000 | 2,058,000 | 2,977,000 | 3,985,000 |
| Income tax | 350,000 | 706,000 | 1,019,000 | 1,333,000 |
| Net income | 677,000 | 1,352,000 | 1,958,000 | 2,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,002,000 | 13,396,000 | 13,721,000 | 13,857,000 |
| Total capital | 14,323,000 | 14,732,000 | 15,058,000 | 15,234,000 |
| Risk-weighted assets | 107,149,000 | 106,784,000 | 106,868,000 | 110,910,000 |