Call reports 2007
CITIZENS BANK AND TRUST — 2007
What CITIZENS BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 309,478,000 | 311,505,000 | 317,951,000 | 331,332,000 |
| Total loans | 217,542,000 | 227,375,000 | 234,488,000 | 246,059,000 |
| Allowance for loan losses | 1,251,000 | 1,290,000 | 1,349,000 | 1,685,000 |
| Securities available for sale | 56,184,000 | 54,130,000 | 53,622,000 | 51,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,680,000 | 238,863,000 | 239,271,000 | 235,830,000 |
| Interest-bearing deposits | 185,755,000 | 185,790,000 | 191,847,000 | 186,323,000 |
| Noninterest-bearing deposits | 54,926,000 | 53,073,000 | 47,425,000 | 49,507,000 |
| Equity capital | 31,846,000 | 31,748,000 | 32,859,000 | 33,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,708,000 | 9,650,000 | 14,728,000 | 19,938,000 |
| Interest expense | 2,014,000 | 4,115,000 | 6,420,000 | 8,794,000 |
| Net interest income | 2,694,000 | 5,535,000 | 8,308,000 | 11,144,000 |
| Noninterest income | 615,000 | 1,344,000 | 1,940,000 | 2,765,000 |
| Noninterest expense | 2,577,000 | 4,933,000 | 7,613,000 | 10,594,000 |
| Provision for loan losses | 63,000 | 147,000 | 242,000 | 633,000 |
| Pretax income | 669,000 | 1,799,000 | 2,393,000 | 2,682,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 669,000 | 1,799,000 | 2,393,000 | 2,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,416,000 | 24,107,000 | 24,509,000 | 24,682,000 |
| Total capital | 24,667,000 | 25,397,000 | 25,858,000 | 26,367,000 |
| Risk-weighted assets | 219,778,000 | 227,045,000 | 232,661,000 | 245,713,000 |
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