Call reports 2012
CITIZENS BANK AND TRUST COMPANY — 2012
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 332,830,000 | 328,721,000 | 328,108,000 | 334,788,000 |
| Total loans | 198,056,000 | 197,494,000 | 194,540,000 | 191,790,000 |
| Allowance for loan losses | 2,407,000 | 2,341,000 | 2,411,000 | 2,470,000 |
| Securities available for sale | 83,080,000 | 86,143,000 | 89,035,000 | 95,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,084,000 | 276,000,000 | 274,299,000 | 282,685,000 |
| Interest-bearing deposits | 233,672,000 | 233,922,000 | 231,663,000 | 240,672,000 |
| Noninterest-bearing deposits | 46,412,000 | 42,078,000 | 42,636,000 | 42,013,000 |
| Equity capital | 36,872,000 | 37,578,000 | 38,438,000 | 38,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,716,000 | 7,352,000 | 10,941,000 | 14,475,000 |
| Interest expense | 723,000 | 1,397,000 | 2,044,000 | 2,657,000 |
| Net interest income | 2,993,000 | 5,955,000 | 8,897,000 | 11,818,000 |
| Noninterest income | 701,000 | 1,393,000 | 2,090,000 | 2,889,000 |
| Noninterest expense | 2,318,000 | 4,725,000 | 7,066,000 | 9,560,000 |
| Provision for loan losses | 75,000 | 142,000 | 209,000 | 299,000 |
| Pretax income | 1,273,000 | 2,453,000 | 3,711,000 | 4,848,000 |
| Income tax | 326,000 | 633,000 | 958,000 | 1,249,000 |
| Net income | 947,000 | 1,820,000 | 2,753,000 | 3,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,834,000 | 37,307,000 | 37,840,000 | 38,287,000 |
| Total capital | 39,241,000 | 39,648,000 | 40,251,000 | 40,741,000 |
| Risk-weighted assets | 199,358,000 | 199,706,000 | 196,333,000 | 196,319,000 |