Call reports 2005
CITIZENS BANK OF AMERICUS — 2005
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 163,822,000 | 159,346,000 | 174,026,000 | 172,035,000 |
| Total loans | 100,181,000 | 103,766,000 | 111,437,000 | 118,039,000 |
| Allowance for loan losses | 1,543,000 | 1,618,000 | 1,687,000 | 1,665,000 |
| Securities available for sale | 30,315,000 | 26,073,000 | 24,748,000 | 22,651,000 |
| Securities held to maturity | 12,185,000 | 11,711,000 | 11,248,000 | 10,827,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,248,000 | 141,142,000 | 155,562,000 | 152,410,000 |
| Interest-bearing deposits | 110,575,000 | 106,625,000 | 110,831,000 | 121,119,000 |
| Noninterest-bearing deposits | 34,673,000 | 34,517,000 | 44,731,000 | 31,291,000 |
| Equity capital | 13,703,000 | 14,190,000 | 14,631,000 | 14,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,225,000 | 4,534,000 | 7,025,000 | 9,748,000 |
| Interest expense | 473,000 | 1,013,000 | 1,666,000 | 2,430,000 |
| Net interest income | 1,752,000 | 3,521,000 | 5,359,000 | 7,318,000 |
| Noninterest income | 437,000 | 914,000 | 1,418,000 | 1,949,000 |
| Noninterest expense | 1,155,000 | 2,298,000 | 3,426,000 | 4,645,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 288,000 |
| Pretax income | 959,000 | 2,025,000 | 3,164,000 | 4,275,000 |
| Income tax | 327,000 | 684,000 | 1,074,000 | 1,459,000 |
| Net income | 632,000 | 1,341,000 | 2,090,000 | 2,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,929,000 | 14,357,000 | 14,826,000 | 14,991,000 |
| Total capital | 15,399,000 | 15,800,000 | 16,447,000 | 16,597,000 |
| Risk-weighted assets | 117,527,000 | 115,263,000 | 129,584,000 | 132,753,000 |