Call reports 2019
CITIZENS BANK OF AMERICUS — 2019
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 324,859,000 | 326,883,000 | 330,763,000 | 342,264,000 |
| Total loans | 172,865,000 | 178,524,000 | 181,754,000 | 179,786,000 |
| Allowance for loan losses | 3,517,000 | 3,556,000 | 3,567,000 | 3,523,000 |
| Securities available for sale | 44,998,000 | 46,198,000 | 50,746,000 | 56,277,000 |
| Securities held to maturity | 18,329,000 | 15,519,000 | 13,822,000 | 9,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,659,000 | 286,783,000 | 289,622,000 | 301,326,000 |
| Interest-bearing deposits | 226,038,000 | 226,362,000 | 230,929,000 | 243,417,000 |
| Noninterest-bearing deposits | 59,621,000 | 60,421,000 | 58,693,000 | 57,909,000 |
| Equity capital | 29,962,000 | 30,955,000 | 31,756,000 | 31,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,496,000 | 7,044,000 | 10,601,000 | 14,017,000 |
| Interest expense | 576,000 | 1,179,000 | 1,765,000 | 2,274,000 |
| Net interest income | 2,920,000 | 5,865,000 | 8,836,000 | 11,743,000 |
| Noninterest income | 404,000 | 841,000 | 1,322,000 | 1,805,000 |
| Noninterest expense | 1,791,000 | 3,600,000 | 5,446,000 | 7,456,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 280,000 |
| Pretax income | 1,488,000 | 3,016,000 | 4,577,000 | 5,812,000 |
| Income tax | 357,000 | 723,000 | 1,098,000 | 1,218,000 |
| Net income | 1,131,000 | 2,293,000 | 3,479,000 | 4,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,197,000 | 30,849,000 | 31,526,000 | 31,792,000 |
| Total capital | 32,577,000 | 33,287,000 | 34,011,000 | 34,285,000 |
| Risk-weighted assets | 189,272,000 | 193,887,000 | 197,739,000 | 198,422,000 |