Call reports 2006
CITIZENS BANK OF AMERICUS — 2006
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 174,996,000 | 178,164,000 | 188,176,000 | 204,264,000 |
| Total loans | 121,774,000 | 129,654,000 | 141,341,000 | 142,060,000 |
| Allowance for loan losses | 1,744,000 | 1,772,000 | 1,836,000 | 1,970,000 |
| Securities available for sale | 23,326,000 | 22,453,000 | 21,710,000 | 32,182,000 |
| Securities held to maturity | 10,485,000 | 10,157,000 | 9,838,000 | 9,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,968,000 | 158,468,000 | 156,243,000 | 179,800,000 |
| Interest-bearing deposits | 31,241,000 | 126,986,000 | 131,397,000 | 154,019,000 |
| Noninterest-bearing deposits | 123,727,000 | 31,482,000 | 24,846,000 | 25,781,000 |
| Equity capital | 15,076,000 | 15,186,000 | 16,091,000 | 16,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,838,000 | 5,867,000 | 9,154,000 | 12,685,000 |
| Interest expense | 866,000 | 1,890,000 | 3,159,000 | 4,645,000 |
| Net interest income | 1,972,000 | 3,977,000 | 5,995,000 | 8,040,000 |
| Noninterest income | 446,000 | 921,000 | 1,392,000 | 1,857,000 |
| Noninterest expense | 1,217,000 | 2,448,000 | 3,677,000 | 4,941,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 1,126,000 | 2,300,000 | 3,516,000 | 4,587,000 |
| Income tax | 383,000 | 781,000 | 1,195,000 | 1,552,000 |
| Net income | 743,000 | 1,519,000 | 2,321,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,454,000 | 15,668,000 | 16,471,000 | 16,343,000 |
| Total capital | 17,089,000 | 17,440,000 | 18,307,000 | 18,268,000 |
| Risk-weighted assets | 134,826,000 | 142,144,000 | 153,364,000 | 153,954,000 |