Call reports 2012
CITIZENS BANK OF AMERICUS — 2012
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 233,717,000 | 229,575,000 | 221,480,000 | 241,773,000 |
| Total loans | 139,951,000 | 145,162,000 | 147,521,000 | 145,436,000 |
| Allowance for loan losses | 2,931,000 | 2,740,000 | 2,859,000 | 3,050,000 |
| Securities available for sale | 16,357,000 | 14,935,000 | 13,860,000 | 11,535,000 |
| Securities held to maturity | 9,032,000 | 8,921,000 | 8,670,000 | 12,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,374,000 | 206,664,000 | 197,752,000 | 217,711,000 |
| Interest-bearing deposits | 171,337,000 | 168,494,000 | 162,119,000 | 172,746,000 |
| Noninterest-bearing deposits | 40,037,000 | 38,170,000 | 35,633,000 | 44,965,000 |
| Equity capital | 21,749,000 | 22,269,000 | 22,926,000 | 23,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,401,000 | 4,768,000 | 7,132,000 | 9,455,000 |
| Interest expense | 291,000 | 551,000 | 788,000 | 1,012,000 |
| Net interest income | 2,110,000 | 4,217,000 | 6,344,000 | 8,443,000 |
| Noninterest income | 282,000 | 515,000 | 954,000 | 1,190,000 |
| Noninterest expense | 1,398,000 | 2,821,000 | 4,210,000 | 5,654,000 |
| Provision for loan losses | 200,000 | 300,000 | 500,000 | 700,000 |
| Pretax income | 794,000 | 1,611,000 | 2,594,000 | 3,285,000 |
| Income tax | 269,000 | 547,000 | 883,000 | 963,000 |
| Net income | 525,000 | 1,064,000 | 1,711,000 | 2,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,268,000 | 21,807,000 | 22,454,000 | 23,065,000 |
| Total capital | 23,105,000 | 23,685,000 | 24,353,000 | 24,967,000 |
| Risk-weighted assets | 145,853,000 | 149,346,000 | 150,964,000 | 151,022,000 |