Call reports 2006
CITIZENS BANK AND TRUST COMPANY — 2006
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 273,052,000 | 273,879,000 | 274,532,000 | 274,924,000 |
| Total loans | 206,881,000 | 205,244,000 | 204,348,000 | 200,169,000 |
| Allowance for loan losses | 1,978,000 | 1,988,000 | 1,978,000 | 1,935,000 |
| Securities available for sale | 40,480,000 | 42,545,000 | 42,952,000 | 45,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,619,000 | 239,962,000 | 238,887,000 | 241,259,000 |
| Interest-bearing deposits | 200,210,000 | 199,132,000 | 197,512,000 | 201,258,000 |
| Noninterest-bearing deposits | 40,409,000 | 40,830,000 | 41,375,000 | 40,001,000 |
| Equity capital | 26,093,000 | 26,314,000 | 27,491,000 | 27,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,801,000 | 7,845,000 | 11,948,000 | 16,012,000 |
| Interest expense | 1,227,000 | 2,540,000 | 3,967,000 | 5,489,000 |
| Net interest income | 2,574,000 | 5,305,000 | 7,981,000 | 10,523,000 |
| Noninterest income | 479,000 | 1,076,000 | 1,629,000 | 2,217,000 |
| Noninterest expense | 1,923,000 | 3,958,000 | 6,006,000 | 8,311,000 |
| Provision for loan losses | 0 | 0 | -365,000 | -365,000 |
| Pretax income | 1,130,000 | 2,423,000 | 3,969,000 | 4,794,000 |
| Income tax | 320,000 | 698,000 | 1,164,000 | 1,369,000 |
| Net income | 810,000 | 1,725,000 | 2,805,000 | 3,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,861,000 | 27,401,000 | 28,107,000 | 28,352,000 |
| Total capital | 28,839,000 | 29,389,000 | 30,085,000 | 30,287,000 |
| Risk-weighted assets | 187,900,000 | 189,093,000 | 185,368,000 | 183,097,000 |
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