Call reports 2021
CITIZENS BANK OF AMERICUS — 2021
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 405,046,000 | 427,339,000 | 411,117,000 | 431,701,000 |
| Total loans | 186,442,000 | 196,090,000 | 202,333,000 | 201,892,000 |
| Allowance for loan losses | 4,455,000 | 4,478,000 | 4,484,000 | 4,470,000 |
| Securities available for sale | 93,358,000 | 108,309,000 | 110,064,000 | 112,985,000 |
| Securities held to maturity | 2,855,000 | 2,067,000 | 1,442,000 | 1,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,421,000 | 383,927,000 | 366,810,000 | 382,888,000 |
| Interest-bearing deposits | 271,891,000 | 276,507,000 | 267,940,000 | 282,849,000 |
| Noninterest-bearing deposits | 90,530,000 | 107,420,000 | 98,870,000 | 100,039,000 |
| Equity capital | 34,478,000 | 35,117,000 | 35,780,000 | 35,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,842,000 | 5,897,000 | 9,059,000 | 12,318,000 |
| Interest expense | 166,000 | 318,000 | 465,000 | 604,000 |
| Net interest income | 2,676,000 | 5,579,000 | 8,594,000 | 11,714,000 |
| Noninterest income | 416,000 | 854,000 | 1,383,000 | 1,828,000 |
| Noninterest expense | 1,905,000 | 3,872,000 | 5,810,000 | 7,771,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,187,000 | 2,561,000 | 4,167,000 | 5,771,000 |
| Income tax | 284,000 | 614,000 | 1,000,000 | 1,253,000 |
| Net income | 903,000 | 1,947,000 | 3,167,000 | 4,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,147,000 | 34,678,000 | 35,384,000 | 36,050,000 |
| Total capital | 36,761,000 | 37,437,000 | 38,222,000 | 38,949,000 |
| Risk-weighted assets | 207,291,000 | 218,999,000 | 225,408,000 | 230,348,000 |