Call reports 2011
CITIZENS BANK AND TRUST — 2011
What CITIZENS BANK AND TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 471,805,000 | 461,627,000 | 460,371,000 | 429,418,000 |
| Total loans | 319,343,000 | 321,640,000 | 317,770,000 | 318,521,000 |
| Allowance for loan losses | 7,108,000 | 7,178,000 | 7,285,000 | 7,437,000 |
| Securities available for sale | 116,245,000 | 100,172,000 | 96,614,000 | 81,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,698,000 | 400,664,000 | 405,768,000 | 378,482,000 |
| Interest-bearing deposits | 305,323,000 | 304,863,000 | 304,096,000 | 275,456,000 |
| Noninterest-bearing deposits | 94,375,000 | 95,801,000 | 101,672,000 | 103,026,000 |
| Equity capital | 30,257,000 | 31,852,000 | 34,653,000 | 34,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,163,000 | 10,278,000 | 15,324,000 | 20,183,000 |
| Interest expense | 1,178,000 | 2,274,000 | 3,247,000 | 3,978,000 |
| Net interest income | 3,985,000 | 8,004,000 | 12,077,000 | 16,205,000 |
| Noninterest income | 613,000 | 1,610,000 | 2,412,000 | 3,357,000 |
| Noninterest expense | 3,772,000 | 7,711,000 | 11,469,000 | 15,913,000 |
| Provision for loan losses | 290,000 | 717,000 | 1,696,000 | 2,427,000 |
| Pretax income | 726,000 | 1,714,000 | 1,852,000 | 2,888,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 726,000 | 1,714,000 | 1,852,000 | 2,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,893,000 | 29,932,000 | 30,118,000 | 31,203,000 |
| Total capital | 32,799,000 | 33,850,000 | 33,962,000 | 34,984,000 |
| Risk-weighted assets | 309,308,000 | 310,213,000 | 304,066,000 | 298,854,000 |