Call reports 2023
CITIZENS BANK OF AMERICUS — 2023
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 424,579,000 | 416,404,000 | 419,440,000 | 445,265,000 |
| Total loans | 224,541,000 | 235,104,000 | 241,756,000 | 240,749,000 |
| Allowance for loan losses | 4,229,000 | 4,230,000 | 4,216,000 | 4,212,000 |
| Securities available for sale | 103,339,000 | 100,258,000 | 95,635,000 | 102,201,000 |
| Securities held to maturity | 5,990,000 | 5,907,000 | 5,835,000 | 5,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,235,000 | 377,640,000 | 381,009,000 | 403,361,000 |
| Interest-bearing deposits | 282,348,000 | 280,347,000 | 287,754,000 | 312,123,000 |
| Noninterest-bearing deposits | 103,887,000 | 97,293,000 | 93,255,000 | 91,238,000 |
| Equity capital | 30,300,000 | 30,706,000 | 30,052,000 | 33,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,734,000 | 9,755,000 | 15,089,000 | 20,767,000 |
| Interest expense | 1,009,000 | 2,356,000 | 4,039,000 | 5,897,000 |
| Net interest income | 3,725,000 | 7,399,000 | 11,050,000 | 14,870,000 |
| Noninterest income | 487,000 | 976,000 | 1,599,000 | 2,072,000 |
| Noninterest expense | 2,248,000 | 4,529,000 | 6,769,000 | 9,060,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 1,889,000 | 3,771,000 | 5,805,000 | 7,807,000 |
| Income tax | 408,000 | 816,000 | 1,231,000 | 1,609,000 |
| Net income | 1,481,000 | 2,955,000 | 4,574,000 | 6,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,624,000 | 40,428,000 | 41,377,000 | 42,330,000 |
| Total capital | 42,894,000 | 43,809,000 | 44,872,000 | 45,769,000 |
| Risk-weighted assets | 260,304,000 | 269,332,000 | 278,544,000 | 273,992,000 |