Call reports 2020
CITIZENS BANK OF AMERICUS — 2020
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 338,741,000 | 375,873,000 | 382,857,000 | 400,145,000 |
| Total loans | 179,740,000 | 197,047,000 | 197,390,000 | 188,646,000 |
| Allowance for loan losses | 3,444,000 | 3,753,000 | 4,136,000 | 4,503,000 |
| Securities available for sale | 69,435,000 | 75,335,000 | 85,497,000 | 85,276,000 |
| Securities held to maturity | 8,287,000 | 6,468,000 | 5,088,000 | 3,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,695,000 | 332,795,000 | 338,958,000 | 356,275,000 |
| Interest-bearing deposits | 237,745,000 | 256,678,000 | 264,499,000 | 272,081,000 |
| Noninterest-bearing deposits | 58,950,000 | 76,117,000 | 74,459,000 | 84,194,000 |
| Equity capital | 32,966,000 | 33,764,000 | 34,369,000 | 34,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,293,000 | 6,444,000 | 9,762,000 | 13,028,000 |
| Interest expense | 433,000 | 680,000 | 903,000 | 1,106,000 |
| Net interest income | 2,860,000 | 5,764,000 | 8,859,000 | 11,922,000 |
| Noninterest income | 408,000 | 805,000 | 1,225,000 | 1,763,000 |
| Noninterest expense | 1,866,000 | 3,761,000 | 5,660,000 | 7,627,000 |
| Provision for loan losses | 75,000 | 450,000 | 825,000 | 1,200,000 |
| Pretax income | 1,327,000 | 2,358,000 | 3,599,000 | 4,858,000 |
| Income tax | 318,000 | 566,000 | 863,000 | 1,020,000 |
| Net income | 1,009,000 | 1,792,000 | 2,736,000 | 3,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,292,000 | 32,735,000 | 33,289,000 | 33,758,000 |
| Total capital | 34,812,000 | 35,275,000 | 35,891,000 | 36,364,000 |
| Risk-weighted assets | 200,689,000 | 201,964,000 | 206,624,000 | 206,622,000 |