Call reports 2008
CITIZENS DEPOSIT BANK & TRUST, INC. — 2008
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 126,654,000 | 123,876,000 | 122,509,000 | 125,533,000 |
| Total loans | 80,811,000 | 85,820,000 | 87,240,000 | 84,832,000 |
| Allowance for loan losses | 1,184,000 | 1,151,000 | 1,122,000 | 1,092,000 |
| Securities available for sale | 35,358,000 | 29,231,000 | 27,016,000 | 30,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,507,000 | 103,300,000 | 101,852,000 | 104,241,000 |
| Interest-bearing deposits | 83,927,000 | 81,255,000 | 81,471,000 | 82,855,000 |
| Noninterest-bearing deposits | 21,580,000 | 22,045,000 | 20,381,000 | 21,386,000 |
| Equity capital | 12,785,000 | 12,444,000 | 12,759,000 | 12,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 3,761,000 | 5,592,000 | 7,363,000 |
| Interest expense | 642,000 | 1,193,000 | 1,707,000 | 2,212,000 |
| Net interest income | 1,269,000 | 2,568,000 | 3,885,000 | 5,151,000 |
| Noninterest income | 386,000 | 845,000 | 1,269,000 | 1,666,000 |
| Noninterest expense | 984,000 | 1,961,000 | 2,955,000 | 3,937,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 671,000 | 1,545,000 | 2,292,000 | 2,973,000 |
| Income tax | 226,000 | 520,000 | 772,000 | 1,005,000 |
| Net income | 445,000 | 1,025,000 | 1,520,000 | 1,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,483,000 | 12,637,000 | 12,728,000 | 12,526,000 |
| Total capital | 13,401,000 | 13,600,000 | 13,711,000 | 13,487,000 |
| Risk-weighted assets | 73,755,000 | 76,771,000 | 78,580,000 | 76,967,000 |
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