Call reports 2008
CITIZENS BANK AND TRUST — 2008
What CITIZENS BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 333,831,000 | 350,023,000 | 370,964,000 | 370,750,000 |
| Total loans | 250,671,000 | 268,088,000 | 281,037,000 | 285,203,000 |
| Allowance for loan losses | 1,702,000 | 1,720,000 | 1,737,000 | 3,503,000 |
| Securities available for sale | 51,314,000 | 49,175,000 | 49,971,000 | 48,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,328,000 | 249,982,000 | 266,646,000 | 275,231,000 |
| Interest-bearing deposits | 183,292,000 | 197,617,000 | 212,558,000 | 249,124,000 |
| Noninterest-bearing deposits | 54,036,000 | 52,365,000 | 54,088,000 | 26,107,000 |
| Equity capital | 34,328,000 | 33,792,000 | 35,773,000 | 33,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,090,000 | 10,247,000 | 15,558,000 | 20,735,000 |
| Interest expense | 2,210,000 | 4,275,000 | 6,384,000 | 8,447,000 |
| Net interest income | 2,880,000 | 5,972,000 | 9,174,000 | 12,288,000 |
| Noninterest income | 790,000 | 1,474,000 | 2,161,000 | 2,845,000 |
| Noninterest expense | 2,937,000 | 5,990,000 | 9,383,000 | 13,342,000 |
| Provision for loan losses | 86,000 | 341,000 | 654,000 | 2,655,000 |
| Pretax income | 647,000 | 1,117,000 | 788,000 | -1,549,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 647,000 | 1,117,000 | 788,000 | -1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,219,000 | 25,580,000 | 27,040,000 | 24,327,000 |
| Total capital | 26,921,000 | 27,300,000 | 28,778,000 | 27,798,000 |
| Risk-weighted assets | 250,201,000 | 265,242,000 | 277,870,000 | 277,647,000 |
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