Call reports 2010
CITIZENS BANK AND TRUST COMPANY — 2010
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 320,246,000 | 323,689,000 | 324,685,000 | 324,943,000 |
| Total loans | 213,606,000 | 211,995,000 | 210,912,000 | 202,683,000 |
| Allowance for loan losses | 2,911,000 | 2,984,000 | 3,071,000 | 2,168,000 |
| Securities available for sale | 72,617,000 | 67,465,000 | 80,453,000 | 77,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,284,000 | 277,616,000 | 277,305,000 | 278,832,000 |
| Interest-bearing deposits | 236,917,000 | 241,368,000 | 241,818,000 | 244,827,000 |
| Noninterest-bearing deposits | 36,367,000 | 36,248,000 | 35,487,000 | 34,005,000 |
| Equity capital | 33,105,000 | 33,860,000 | 34,901,000 | 33,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,030,000 | 8,173,000 | 12,260,000 | 16,147,000 |
| Interest expense | 1,168,000 | 2,313,000 | 3,439,000 | 4,527,000 |
| Net interest income | 2,862,000 | 5,860,000 | 8,821,000 | 11,620,000 |
| Noninterest income | 552,000 | 1,134,000 | 1,660,000 | 2,309,000 |
| Noninterest expense | 2,250,000 | 4,537,000 | 6,824,000 | 9,081,000 |
| Provision for loan losses | 300,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 868,000 | 2,034,000 | 3,088,000 | 4,130,000 |
| Income tax | 228,000 | 551,000 | 814,000 | 1,073,000 |
| Net income | 640,000 | 1,483,000 | 2,274,000 | 3,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,349,000 | 33,792,000 | 34,183,000 | 34,566,000 |
| Total capital | 35,810,000 | 36,272,000 | 36,719,000 | 36,734,000 |
| Risk-weighted assets | 197,703,000 | 197,859,000 | 202,359,000 | 194,834,000 |