Call reports 2008
CITIZENS BANK OF AMERICUS — 2008
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 260,459,000 | 252,373,000 | 254,793,000 | 226,701,000 |
| Total loans | 158,391,000 | 160,178,000 | 166,454,000 | 158,014,000 |
| Allowance for loan losses | 2,295,000 | 2,466,000 | 2,292,000 | 2,491,000 |
| Securities available for sale | 66,097,000 | 57,703,000 | 58,005,000 | 26,922,000 |
| Securities held to maturity | 5,981,000 | 5,672,000 | 5,415,000 | 5,212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,721,000 | 219,075,000 | 219,627,000 | 191,590,000 |
| Interest-bearing deposits | 193,647,000 | 188,321,000 | 187,596,000 | 133,378,000 |
| Noninterest-bearing deposits | 34,074,000 | 30,754,000 | 32,031,000 | 58,212,000 |
| Equity capital | 18,027,000 | 18,398,000 | 19,495,000 | 18,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,882,000 | 7,446,000 | 11,014,000 | 14,435,000 |
| Interest expense | 1,710,000 | 3,082,000 | 4,371,000 | 5,531,000 |
| Net interest income | 2,172,000 | 4,364,000 | 6,643,000 | 8,904,000 |
| Noninterest income | 466,000 | 958,000 | 1,419,000 | 1,900,000 |
| Noninterest expense | 1,347,000 | 2,691,000 | 4,135,000 | 6,684,000 |
| Provision for loan losses | 150,000 | 300,000 | 414,000 | 1,164,000 |
| Pretax income | 1,158,000 | 2,348,000 | 3,530,000 | 3,026,000 |
| Income tax | 391,000 | 797,000 | 1,199,000 | 1,473,000 |
| Net income | 767,000 | 1,551,000 | 2,331,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,859,000 | 18,643,000 | 19,423,000 | 18,061,000 |
| Total capital | 20,139,000 | 20,946,000 | 21,715,000 | 20,159,000 |
| Risk-weighted assets | 182,401,000 | 184,094,000 | 190,203,000 | 167,407,000 |