Call reports 2011
CITIZENS BANK OF AMERICUS — 2011
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 241,104,000 | 239,332,000 | 237,046,000 | 240,976,000 |
| Total loans | 141,381,000 | 141,585,000 | 140,966,000 | 140,497,000 |
| Allowance for loan losses | 3,796,000 | 4,280,000 | 3,995,000 | 3,179,000 |
| Securities available for sale | 21,209,000 | 20,417,000 | 19,114,000 | 17,479,000 |
| Securities held to maturity | 7,525,000 | 6,310,000 | 7,998,000 | 7,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,895,000 | 212,699,000 | 210,401,000 | 212,668,000 |
| Interest-bearing deposits | 168,275,000 | 176,669,000 | 173,598,000 | 168,575,000 |
| Noninterest-bearing deposits | 46,620,000 | 36,030,000 | 36,803,000 | 44,093,000 |
| Equity capital | 20,789,000 | 20,957,000 | 21,089,000 | 21,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,582,000 | 5,142,000 | 7,625,000 | 10,013,000 |
| Interest expense | 567,000 | 1,056,000 | 1,481,000 | 1,813,000 |
| Net interest income | 2,015,000 | 4,086,000 | 6,144,000 | 8,200,000 |
| Noninterest income | 481,000 | 893,000 | 1,185,000 | 1,100,000 |
| Noninterest expense | 1,355,000 | 2,813,000 | 4,091,000 | 5,477,000 |
| Provision for loan losses | 1,050,000 | 2,000,000 | 2,900,000 | 3,330,000 |
| Pretax income | 91,000 | 166,000 | 343,000 | 498,000 |
| Income tax | 30,000 | 55,000 | 116,000 | 81,000 |
| Net income | 61,000 | 111,000 | 227,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,387,000 | 20,437,000 | 20,554,000 | 20,744,000 |
| Total capital | 22,235,000 | 22,273,000 | 22,421,000 | 22,598,000 |
| Risk-weighted assets | 145,883,000 | 144,451,000 | 147,245,000 | 146,989,000 |