Call reports 2012
CITIZENS BANK AND TRUST — 2012
What CITIZENS BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 438,079,000 | 429,630,000 | 413,702,000 | 408,574,000 |
| Total loans | 310,295,000 | 303,546,000 | 298,904,000 | 289,098,000 |
| Allowance for loan losses | 7,025,000 | 7,019,000 | 6,439,000 | 6,435,000 |
| Securities available for sale | 85,309,000 | 86,846,000 | 81,783,000 | 70,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,867,000 | 378,152,000 | 362,290,000 | 360,062,000 |
| Interest-bearing deposits | 272,544,000 | 265,817,000 | 246,467,000 | 246,993,000 |
| Noninterest-bearing deposits | 113,323,000 | 112,335,000 | 115,823,000 | 113,069,000 |
| Equity capital | 34,822,000 | 34,969,000 | 36,057,000 | 35,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,580,000 | 9,128,000 | 13,349,000 | 17,469,000 |
| Interest expense | 601,000 | 1,138,000 | 1,575,000 | 1,898,000 |
| Net interest income | 3,979,000 | 7,990,000 | 11,774,000 | 15,571,000 |
| Noninterest income | 918,000 | 1,916,000 | 2,626,000 | 3,924,000 |
| Noninterest expense | 4,211,000 | 8,146,000 | 11,726,000 | 16,121,000 |
| Provision for loan losses | 202,000 | 1,299,000 | 1,842,000 | 3,216,000 |
| Pretax income | 484,000 | 1,066,000 | 2,382,000 | 2,006,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 484,000 | 1,066,000 | 2,382,000 | 2,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,728,000 | 32,351,000 | 33,707,000 | 33,372,000 |
| Total capital | 35,415,000 | 35,964,000 | 37,300,000 | 36,876,000 |
| Risk-weighted assets | 291,601,000 | 285,682,000 | 284,658,000 | 277,432,000 |