Call reports 2009
CITIZENS BANK AND TRUST COMPANY — 2009
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 300,302,000 | 307,598,000 | 310,887,000 | 314,868,000 |
| Total loans | 216,854,000 | 217,863,000 | 216,682,000 | 217,535,000 |
| Allowance for loan losses | 2,190,000 | 2,299,000 | 2,377,000 | 2,673,000 |
| Securities available for sale | 43,658,000 | 46,250,000 | 55,742,000 | 61,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,940,000 | 257,358,000 | 259,610,000 | 269,405,000 |
| Interest-bearing deposits | 208,584,000 | 218,906,000 | 225,518,000 | 234,797,000 |
| Noninterest-bearing deposits | 43,356,000 | 38,452,000 | 34,092,000 | 34,608,000 |
| Equity capital | 30,466,000 | 30,889,000 | 31,889,000 | 32,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,958,000 | 8,003,000 | 12,068,000 | 16,156,000 |
| Interest expense | 1,374,000 | 2,652,000 | 3,932,000 | 5,169,000 |
| Net interest income | 2,584,000 | 5,351,000 | 8,136,000 | 10,987,000 |
| Noninterest income | 594,000 | 1,225,000 | 1,854,000 | 2,529,000 |
| Noninterest expense | 2,128,000 | 4,267,000 | 6,393,000 | 8,620,000 |
| Provision for loan losses | 45,000 | 225,000 | 425,000 | 900,000 |
| Pretax income | 1,008,000 | 2,099,000 | 3,187,000 | 4,017,000 |
| Income tax | 282,000 | 590,000 | 898,000 | 1,108,000 |
| Net income | 726,000 | 1,509,000 | 2,289,000 | 2,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,126,000 | 32,509,000 | 32,889,000 | 33,109,000 |
| Total capital | 34,316,000 | 34,808,000 | 35,266,000 | 35,615,000 |
| Risk-weighted assets | 198,179,000 | 201,223,000 | 199,305,000 | 200,289,000 |