Call reports 2006
CITIZENS BANK AND TRUST — 2006
What CITIZENS BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 288,521,000 | 291,480,000 | 296,535,000 | 302,327,000 |
| Total loans | 180,208,000 | 190,393,000 | 198,623,000 | 213,976,000 |
| Allowance for loan losses | 1,215,000 | 1,183,000 | 1,128,000 | 1,178,000 |
| Securities available for sale | 76,118,000 | 69,542,000 | 66,730,000 | 57,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,525,000 | 231,816,000 | 228,746,000 | 230,317,000 |
| Interest-bearing deposits | 174,157,000 | 178,639,000 | 175,412,000 | 174,696,000 |
| Noninterest-bearing deposits | 51,368,000 | 53,177,000 | 53,334,000 | 55,621,000 |
| Equity capital | 29,447,000 | 29,304,000 | 30,714,000 | 31,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,841,000 | 8,055,000 | 12,492,000 | 17,117,000 |
| Interest expense | 1,273,000 | 2,813,000 | 4,562,000 | 6,540,000 |
| Net interest income | 2,568,000 | 5,242,000 | 7,930,000 | 10,577,000 |
| Noninterest income | 628,000 | 1,253,000 | 2,043,000 | 2,686,000 |
| Noninterest expense | 2,340,000 | 4,605,000 | 6,887,000 | 9,409,000 |
| Provision for loan losses | 5,000 | 20,000 | 43,000 | 168,000 |
| Pretax income | 851,000 | 1,868,000 | 3,042,000 | 3,477,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 851,000 | 1,868,000 | 3,042,000 | 3,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,150,000 | 21,974,000 | 22,490,000 | 22,838,000 |
| Total capital | 22,365,000 | 23,157,000 | 23,618,000 | 24,016,000 |
| Risk-weighted assets | 193,732,000 | 199,435,000 | 208,442,000 | 218,119,000 |
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