Call reports 2007
CITIZENS BANK AND TRUST COMPANY — 2007
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 275,486,000 | 281,873,000 | 283,994,000 | 283,160,000 |
| Total loans | 203,879,000 | 209,641,000 | 210,387,000 | 211,330,000 |
| Allowance for loan losses | 1,912,000 | 1,940,000 | 1,888,000 | 1,950,000 |
| Securities available for sale | 41,986,000 | 41,846,000 | 43,334,000 | 41,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,405,000 | 245,939,000 | 245,990,000 | 243,965,000 |
| Interest-bearing deposits | 201,194,000 | 203,155,000 | 205,295,000 | 205,495,000 |
| Noninterest-bearing deposits | 39,211,000 | 42,784,000 | 40,695,000 | 38,470,000 |
| Equity capital | 28,022,000 | 28,217,000 | 28,986,000 | 30,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,147,000 | 8,536,000 | 12,913,000 | 17,309,000 |
| Interest expense | 1,560,000 | 3,215,000 | 4,933,000 | 6,692,000 |
| Net interest income | 2,587,000 | 5,321,000 | 7,980,000 | 10,617,000 |
| Noninterest income | 540,000 | 1,152,000 | 1,737,000 | 2,406,000 |
| Noninterest expense | 1,970,000 | 4,010,000 | 6,168,000 | 8,387,000 |
| Provision for loan losses | 0 | 0 | 0 | -238,000 |
| Pretax income | 1,157,000 | 2,463,000 | 3,549,000 | 4,874,000 |
| Income tax | 339,000 | 726,000 | 1,036,000 | 1,428,000 |
| Net income | 818,000 | 1,737,000 | 2,513,000 | 3,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,795,000 | 29,338,000 | 29,739,000 | 30,298,000 |
| Total capital | 30,707,000 | 31,278,000 | 31,627,000 | 32,248,000 |
| Risk-weighted assets | 186,453,000 | 191,562,000 | 192,522,000 | 196,911,000 |
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