Call reports 2015
CITIZENS BANK OF AMERICUS — 2015
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 256,913,000 | 250,725,000 | 249,877,000 | 256,833,000 |
| Total loans | 151,418,000 | 152,642,000 | 154,626,000 | 155,633,000 |
| Allowance for loan losses | 2,950,000 | 3,021,000 | 3,085,000 | 3,107,000 |
| Securities available for sale | 16,394,000 | 16,364,000 | 13,276,000 | 16,495,000 |
| Securities held to maturity | 23,624,000 | 24,675,000 | 20,595,000 | 19,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,445,000 | 221,101,000 | 219,891,000 | 226,719,000 |
| Interest-bearing deposits | 179,886,000 | 177,103,000 | 172,048,000 | 175,556,000 |
| Noninterest-bearing deposits | 47,559,000 | 43,998,000 | 47,843,000 | 51,163,000 |
| Equity capital | 23,491,000 | 23,769,000 | 24,104,000 | 24,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,273,000 | 4,545,000 | 6,862,000 | 9,206,000 |
| Interest expense | 183,000 | 361,000 | 542,000 | 724,000 |
| Net interest income | 2,090,000 | 4,184,000 | 6,320,000 | 8,482,000 |
| Noninterest income | 397,000 | 863,000 | 1,268,000 | 1,661,000 |
| Noninterest expense | 1,424,000 | 2,895,000 | 4,371,000 | 5,940,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 988,000 | 2,002,000 | 3,012,000 | 3,923,000 |
| Income tax | 329,000 | 671,000 | 1,010,000 | 1,220,000 |
| Net income | 659,000 | 1,331,000 | 2,002,000 | 2,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,296,000 | 23,636,000 | 23,975,000 | 24,343,000 |
| Total capital | 25,328,000 | 25,646,000 | 25,995,000 | 26,375,000 |
| Risk-weighted assets | 161,649,000 | 159,798,000 | 160,534,000 | 161,485,000 |