Call reports 2013
CITIZENS BANK OF AMERICUS — 2013
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 248,808,000 | 248,345,000 | 243,149,000 | 257,246,000 |
| Total loans | 142,070,000 | 146,231,000 | 151,381,000 | 152,960,000 |
| Allowance for loan losses | 3,048,000 | 3,172,000 | 3,188,000 | 3,117,000 |
| Securities available for sale | 10,466,000 | 11,196,000 | 7,644,000 | 7,435,000 |
| Securities held to maturity | 14,475,000 | 14,645,000 | 19,508,000 | 20,869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,162,000 | 223,144,000 | 217,303,000 | 231,296,000 |
| Interest-bearing deposits | 181,383,000 | 118,583,000 | 178,234,000 | 184,058,000 |
| Noninterest-bearing deposits | 42,779,000 | 104,561,000 | 39,069,000 | 47,238,000 |
| Equity capital | 24,012,000 | 24,530,000 | 25,106,000 | 22,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,187,000 | 4,376,000 | 6,639,000 | 8,951,000 |
| Interest expense | 201,000 | 391,000 | 576,000 | 752,000 |
| Net interest income | 1,986,000 | 3,985,000 | 6,063,000 | 8,199,000 |
| Noninterest income | 395,000 | 764,000 | 1,158,000 | 1,539,000 |
| Noninterest expense | 1,323,000 | 2,644,000 | 4,087,000 | 10,480,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 890,000 |
| Pretax income | 923,000 | 1,835,000 | 2,729,000 | -1,632,000 |
| Income tax | 314,000 | 614,000 | 907,000 | -624,000 |
| Net income | 609,000 | 1,221,000 | 1,822,000 | -1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,675,000 | 24,287,000 | 24,887,000 | 22,057,000 |
| Total capital | 25,547,000 | 26,211,000 | 26,866,000 | 24,048,000 |
| Risk-weighted assets | 148,562,000 | 152,668,000 | 157,117,000 | 158,163,000 |