Call reports 2014
CITIZENS BANK OF AMERICUS — 2014
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 242,278,000 | 234,410,000 | 231,449,000 | 267,979,000 |
| Total loans | 147,995,000 | 149,144,000 | 149,047,000 | 149,027,000 |
| Allowance for loan losses | 3,028,000 | 2,732,000 | 2,783,000 | 2,902,000 |
| Securities available for sale | 7,931,000 | 10,252,000 | 13,999,000 | 13,309,000 |
| Securities held to maturity | 20,334,000 | 20,756,000 | 20,618,000 | 20,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,069,000 | 210,833,000 | 207,469,000 | 241,155,000 |
| Interest-bearing deposits | 174,592,000 | 163,497,000 | 162,995,000 | 177,468,000 |
| Noninterest-bearing deposits | 44,477,000 | 47,336,000 | 44,474,000 | 63,687,000 |
| Equity capital | 22,507,000 | 22,800,000 | 23,070,000 | 23,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,234,000 | 4,451,000 | 6,678,000 | 8,924,000 |
| Interest expense | 165,000 | 330,000 | 496,000 | 668,000 |
| Net interest income | 2,069,000 | 4,121,000 | 6,182,000 | 8,256,000 |
| Noninterest income | 365,000 | 735,000 | 1,132,000 | 1,522,000 |
| Noninterest expense | 1,437,000 | 2,833,000 | 4,276,000 | 5,725,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 375,000 |
| Pretax income | 925,000 | 1,861,000 | 2,786,000 | 3,696,000 |
| Income tax | 313,000 | 633,000 | 947,000 | 1,229,000 |
| Net income | 612,000 | 1,228,000 | 1,839,000 | 2,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,337,000 | 22,621,000 | 22,901,000 | 22,969,000 |
| Total capital | 24,281,000 | 24,591,000 | 24,886,000 | 24,940,000 |
| Risk-weighted assets | 154,468,000 | 156,832,000 | 157,967,000 | 156,756,000 |