Call reports 2011
CITIZENS BANK AND TRUST COMPANY — 2011
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 325,398,000 | 322,875,000 | 323,070,000 | 323,006,000 |
| Total loans | 203,275,000 | 204,560,000 | 199,825,000 | 199,715,000 |
| Allowance for loan losses | 2,273,000 | 2,137,000 | 2,364,000 | 2,352,000 |
| Securities available for sale | 82,169,000 | 81,860,000 | 77,502,000 | 79,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,624,000 | 273,403,000 | 272,315,000 | 272,009,000 |
| Interest-bearing deposits | 241,084,000 | 236,415,000 | 234,321,000 | 234,518,000 |
| Noninterest-bearing deposits | 35,540,000 | 36,988,000 | 37,994,000 | 37,491,000 |
| Equity capital | 34,461,000 | 35,679,000 | 36,736,000 | 36,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,943,000 | 7,866,000 | 11,678,000 | 15,460,000 |
| Interest expense | 1,020,000 | 2,006,000 | 2,899,000 | 3,675,000 |
| Net interest income | 2,923,000 | 5,860,000 | 8,779,000 | 11,785,000 |
| Noninterest income | 563,000 | 1,176,000 | 1,845,000 | 2,509,000 |
| Noninterest expense | 2,315,000 | 4,534,000 | 6,806,000 | 9,129,000 |
| Provision for loan losses | 150,000 | 300,000 | 525,000 | 685,000 |
| Pretax income | 1,021,000 | 2,162,000 | 3,253,000 | 4,437,000 |
| Income tax | 253,000 | 539,000 | 807,000 | 1,116,000 |
| Net income | 768,000 | 1,623,000 | 2,446,000 | 3,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,934,000 | 35,389,000 | 35,812,000 | 36,287,000 |
| Total capital | 37,207,000 | 37,526,000 | 38,176,000 | 38,639,000 |
| Risk-weighted assets | 196,265,000 | 198,449,000 | 197,441,000 | 199,346,000 |