Call reports 2018
CITIZENS BANK OF AMERICUS — 2018
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 313,164,000 | 314,985,000 | 309,609,000 | 324,192,000 |
| Total loans | 173,487,000 | 174,207,000 | 173,452,000 | 174,995,000 |
| Allowance for loan losses | 3,446,000 | 3,525,000 | 3,567,000 | 3,477,000 |
| Securities available for sale | 38,194,000 | 41,292,000 | 41,296,000 | 39,487,000 |
| Securities held to maturity | 21,289,000 | 21,481,000 | 21,117,000 | 20,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,797,000 | 278,039,000 | 272,055,000 | 286,318,000 |
| Interest-bearing deposits | 210,166,000 | 218,349,000 | 216,360,000 | 228,210,000 |
| Noninterest-bearing deposits | 66,631,000 | 59,690,000 | 55,695,000 | 58,108,000 |
| Equity capital | 27,164,000 | 27,941,000 | 28,407,000 | 29,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,986,000 | 6,131,000 | 9,403,000 | 12,791,000 |
| Interest expense | 330,000 | 713,000 | 1,150,000 | 1,674,000 |
| Net interest income | 2,656,000 | 5,418,000 | 8,253,000 | 11,117,000 |
| Noninterest income | 420,000 | 1,190,000 | 1,613,000 | 2,062,000 |
| Noninterest expense | 1,732,000 | 3,545,000 | 5,375,000 | 7,231,000 |
| Provision for loan losses | 55,000 | 130,000 | 185,000 | 200,000 |
| Pretax income | 1,289,000 | 2,933,000 | 4,306,000 | 5,748,000 |
| Income tax | 309,000 | 680,000 | 1,010,000 | 1,263,000 |
| Net income | 980,000 | 2,253,000 | 3,296,000 | 4,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,670,000 | 28,520,000 | 29,142,000 | 29,572,000 |
| Total capital | 30,040,000 | 30,907,000 | 31,530,000 | 31,975,000 |
| Risk-weighted assets | 188,399,000 | 189,830,000 | 189,862,000 | 191,134,000 |