Call reports 2016
CITIZENS BANK OF AMERICUS — 2016
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 270,328,000 | 270,073,000 | 272,316,000 | 277,472,000 |
| Total loans | 152,764,000 | 155,382,000 | 162,155,000 | 161,169,000 |
| Allowance for loan losses | 3,184,000 | 3,247,000 | 3,346,000 | 3,249,000 |
| Securities available for sale | 21,858,000 | 29,644,000 | 28,269,000 | 34,665,000 |
| Securities held to maturity | 22,211,000 | 19,633,000 | 15,745,000 | 18,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,396,000 | 236,981,000 | 238,107,000 | 244,031,000 |
| Interest-bearing deposits | 185,228,000 | 189,173,000 | 191,263,000 | 187,330,000 |
| Noninterest-bearing deposits | 53,168,000 | 47,808,000 | 46,844,000 | 56,701,000 |
| Equity capital | 24,814,000 | 25,131,000 | 25,905,000 | 25,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,370,000 | 4,788,000 | 7,302,000 | 9,855,000 |
| Interest expense | 196,000 | 401,000 | 623,000 | 844,000 |
| Net interest income | 2,174,000 | 4,387,000 | 6,679,000 | 9,011,000 |
| Noninterest income | 412,000 | 806,000 | 1,211,000 | 1,617,000 |
| Noninterest expense | 1,506,000 | 3,047,000 | 4,593,000 | 6,223,000 |
| Provision for loan losses | 75,000 | 150,000 | -850,000 | -850,000 |
| Pretax income | 1,005,000 | 1,996,000 | 4,221,000 | 5,329,000 |
| Income tax | 340,000 | 674,000 | 1,427,000 | 1,837,000 |
| Net income | 665,000 | 1,322,000 | 2,794,000 | 3,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,678,000 | 24,999,000 | 25,804,000 | 25,833,000 |
| Total capital | 26,692,000 | 27,097,000 | 27,957,000 | 27,999,000 |
| Risk-weighted assets | 159,957,000 | 166,658,000 | 171,086,000 | 172,196,000 |