Call reports 2010
CITIZENS BANK OF AMERICUS — 2010
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 228,770,000 | 235,215,000 | 235,167,000 | 245,316,000 |
| Total loans | 152,003,000 | 151,824,000 | 155,921,000 | 149,251,000 |
| Allowance for loan losses | 2,971,000 | 4,032,000 | 3,280,000 | 3,608,000 |
| Securities available for sale | 25,870,000 | 25,772,000 | 27,897,000 | 34,383,000 |
| Securities held to maturity | 3,734,000 | 3,453,000 | 2,965,000 | 2,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,435,000 | 210,582,000 | 208,658,000 | 218,911,000 |
| Interest-bearing deposits | 177,197,000 | 175,927,000 | 179,379,000 | 191,938,000 |
| Noninterest-bearing deposits | 28,238,000 | 34,655,000 | 29,279,000 | 26,973,000 |
| Equity capital | 18,508,000 | 18,514,000 | 21,336,000 | 20,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,809,000 | 5,547,000 | 8,334,000 | 11,072,000 |
| Interest expense | 811,000 | 1,618,000 | 2,415,000 | 3,110,000 |
| Net interest income | 1,998,000 | 3,929,000 | 5,919,000 | 7,962,000 |
| Noninterest income | 427,000 | 920,000 | 1,384,000 | 1,821,000 |
| Noninterest expense | 1,406,000 | 2,837,000 | 4,324,000 | 6,354,000 |
| Provision for loan losses | 450,000 | 1,700,000 | 2,350,000 | 3,400,000 |
| Pretax income | 569,000 | 312,000 | 658,000 | 58,000 |
| Income tax | 192,000 | 106,000 | 224,000 | 5,000 |
| Net income | 377,000 | 206,000 | 434,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,026,000 | 17,855,000 | 20,708,000 | 20,326,000 |
| Total capital | 20,050,000 | 19,877,000 | 22,738,000 | 22,292,000 |
| Risk-weighted assets | 160,954,000 | 159,754,000 | 161,179,000 | 155,654,000 |