Call reports 2010
CITIZENS BANK AND TRUST — 2010
What CITIZENS BANK AND TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 469,523,000 | 469,424,000 | 467,550,000 | 466,140,000 |
| Total loans | 309,032,000 | 319,519,000 | 321,494,000 | 326,988,000 |
| Allowance for loan losses | 5,231,000 | 5,325,000 | 5,887,000 | 7,765,000 |
| Securities available for sale | 109,665,000 | 115,973,000 | 98,690,000 | 103,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,580,000 | 395,444,000 | 394,964,000 | 392,029,000 |
| Interest-bearing deposits | 357,175,000 | 357,235,000 | 358,035,000 | 307,667,000 |
| Noninterest-bearing deposits | 37,405,000 | 38,209,000 | 36,929,000 | 84,362,000 |
| Equity capital | 29,464,000 | 32,151,000 | 33,568,000 | 29,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,432,000 | 11,121,000 | 16,568,000 | 21,930,000 |
| Interest expense | 1,587,000 | 3,179,000 | 4,636,000 | 5,945,000 |
| Net interest income | 3,845,000 | 7,942,000 | 11,932,000 | 15,985,000 |
| Noninterest income | 984,000 | 1,702,000 | 2,636,000 | 3,532,000 |
| Noninterest expense | 3,611,000 | 7,258,000 | 11,155,000 | 15,075,000 |
| Provision for loan losses | 636,000 | 1,143,000 | 1,968,000 | 4,576,000 |
| Pretax income | 582,000 | 1,243,000 | 2,256,000 | 681,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 582,000 | 1,243,000 | 2,256,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,838,000 | 28,560,000 | 29,633,000 | 28,119,000 |
| Total capital | 31,729,000 | 32,426,000 | 33,608,000 | 32,186,000 |
| Risk-weighted assets | 309,944,000 | 307,799,000 | 316,067,000 | 321,691,000 |
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