Call reports 2009
CITIZENS BANK AND TRUST — 2009
What CITIZENS BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 412,214,000 | 431,076,000 | 447,947,000 | 449,044,000 |
| Total loans | 288,798,000 | 299,646,000 | 301,057,000 | 309,771,000 |
| Allowance for loan losses | 3,536,000 | 3,380,000 | 3,528,000 | 4,848,000 |
| Securities available for sale | 79,056,000 | 90,886,000 | 96,551,000 | 101,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,879,000 | 335,047,000 | 366,122,000 | 367,893,000 |
| Interest-bearing deposits | 282,892,000 | 302,555,000 | 333,379,000 | 329,494,000 |
| Noninterest-bearing deposits | 31,987,000 | 32,492,000 | 32,743,000 | 38,399,000 |
| Equity capital | 35,138,000 | 35,235,000 | 35,779,000 | 27,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,184,000 | 10,647,000 | 16,082,000 | 20,929,000 |
| Interest expense | 1,949,000 | 3,881,000 | 5,710,000 | 7,287,000 |
| Net interest income | 3,235,000 | 6,766,000 | 10,372,000 | 13,642,000 |
| Noninterest income | 687,000 | 1,495,000 | 2,306,000 | 3,199,000 |
| Noninterest expense | 3,412,000 | 6,840,000 | 10,440,000 | 21,649,000 |
| Provision for loan losses | 228,000 | 668,000 | 1,405,000 | 6,181,000 |
| Pretax income | 429,000 | 1,092,000 | 1,510,000 | -10,305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 429,000 | 1,092,000 | 1,510,000 | -10,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,630,000 | 27,241,000 | 27,352,000 | 27,197,000 |
| Total capital | 30,151,000 | 30,621,000 | 30,880,000 | 30,940,000 |
| Risk-weighted assets | 281,631,000 | 289,518,000 | 292,504,000 | 298,311,000 |
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