Call reports 2009
CITIZENS BANK OF AMERICUS — 2009
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 222,036,000 | 220,790,000 | 220,041,000 | 228,866,000 |
| Total loans | 159,571,000 | 157,361,000 | 161,605,000 | 152,300,000 |
| Allowance for loan losses | 2,732,000 | 2,641,000 | 2,923,000 | 3,607,000 |
| Securities available for sale | 28,138,000 | 28,401,000 | 24,759,000 | 23,365,000 |
| Securities held to maturity | 4,920,000 | 4,605,000 | 4,278,000 | 4,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,443,000 | 185,771,000 | 190,566,000 | 199,283,000 |
| Interest-bearing deposits | 152,183,000 | 125,069,000 | 129,331,000 | 133,416,000 |
| Noninterest-bearing deposits | 28,260,000 | 60,702,000 | 61,235,000 | 65,867,000 |
| Equity capital | 18,786,000 | 19,103,000 | 19,423,000 | 18,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,078,000 | 6,157,000 | 9,160,000 | 12,088,000 |
| Interest expense | 981,000 | 1,905,000 | 2,805,000 | 3,644,000 |
| Net interest income | 2,097,000 | 4,252,000 | 6,355,000 | 8,444,000 |
| Noninterest income | 429,000 | 900,000 | 1,108,000 | 1,856,000 |
| Noninterest expense | 1,391,000 | 2,766,000 | 4,265,000 | 6,325,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,450,000 |
| Pretax income | 835,000 | 1,786,000 | 2,513,000 | 1,740,000 |
| Income tax | 283,000 | 606,000 | 853,000 | 405,000 |
| Net income | 552,000 | 1,180,000 | 1,660,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,322,000 | 18,658,000 | 18,847,000 | 17,940,000 |
| Total capital | 20,406,000 | 20,697,000 | 20,887,000 | 19,954,000 |
| Risk-weighted assets | 166,088,000 | 162,514,000 | 162,330,000 | 159,491,000 |