Call reports 2024
CITIZENS BANK OF AMERICUS — 2024
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 439,021,000 | 425,564,000 | 435,502,000 | 473,148,000 |
| Total loans | 240,127,000 | 243,274,000 | 255,676,000 | 249,372,000 |
| Allowance for loan losses | 4,212,000 | 4,137,000 | 4,132,000 | 4,139,000 |
| Securities available for sale | 99,339,000 | 92,701,000 | 93,401,000 | 105,513,000 |
| Securities held to maturity | 5,764,000 | 5,708,000 | 5,677,000 | 5,654,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,824,000 | 386,201,000 | 387,563,000 | 426,078,000 |
| Interest-bearing deposits | 303,942,000 | 297,100,000 | 301,780,000 | 322,747,000 |
| Noninterest-bearing deposits | 91,882,000 | 89,101,000 | 85,783,000 | 103,331,000 |
| Equity capital | 34,701,000 | 35,929,000 | 39,111,000 | 38,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,829,000 | 11,500,000 | 17,400,000 | 23,447,000 |
| Interest expense | 1,991,000 | 3,907,000 | 5,897,000 | 7,908,000 |
| Net interest income | 3,838,000 | 7,593,000 | 11,503,000 | 15,539,000 |
| Noninterest income | 485,000 | 993,000 | 1,512,000 | 2,060,000 |
| Noninterest expense | 2,261,000 | 4,579,000 | 6,819,000 | 9,296,000 |
| Provision for loan losses | 0 | -81,000 | -81,000 | -81,000 |
| Pretax income | 2,062,000 | 4,007,000 | 6,196,000 | 8,303,000 |
| Income tax | 454,000 | 881,000 | 1,363,000 | 1,772,000 |
| Net income | 1,608,000 | 3,126,000 | 4,833,000 | 6,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,243,000 | 44,062,000 | 45,070,000 | 46,181,000 |
| Total capital | 46,684,000 | 47,552,000 | 48,712,000 | 49,737,000 |
| Risk-weighted assets | 274,198,000 | 278,188,000 | 290,510,000 | 283,531,000 |