Call reports 2009
CITIZENS DEPOSIT BANK & TRUST, INC. — 2009
What CITIZENS DEPOSIT BANK & TRUST, INC. 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 | 125,070,000 | 124,564,000 | 122,493,000 | 123,449,000 |
| Total loans | 83,856,000 | 85,921,000 | 82,356,000 | 82,528,000 |
| Allowance for loan losses | 1,063,000 | 987,000 | 975,000 | 880,000 |
| Securities available for sale | 29,459,000 | 29,395,000 | 28,160,000 | 29,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,866,000 | 103,643,000 | 99,486,000 | 102,039,000 |
| Interest-bearing deposits | 81,275,000 | 80,404,000 | 77,307,000 | 78,170,000 |
| Noninterest-bearing deposits | 22,591,000 | 23,239,000 | 22,179,000 | 23,869,000 |
| Equity capital | 13,048,000 | 13,069,000 | 13,340,000 | 13,086,000 |
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 | 1,691,000 | 3,354,000 | 4,983,000 | 6,629,000 |
| Interest expense | 432,000 | 830,000 | 1,202,000 | 1,563,000 |
| Net interest income | 1,259,000 | 2,524,000 | 3,781,000 | 5,066,000 |
| Noninterest income | 362,000 | 799,000 | 1,210,000 | 1,627,000 |
| Noninterest expense | 1,003,000 | 2,087,000 | 3,136,000 | 4,192,000 |
| Provision for loan losses | 15,000 | 35,000 | 90,000 | 145,000 |
| Pretax income | 603,000 | 1,201,000 | 1,765,000 | 2,356,000 |
| Income tax | 204,000 | 406,000 | 597,000 | 799,000 |
| Net income | 399,000 | 795,000 | 1,168,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,624,000 | 12,721,000 | 12,794,000 | 12,583,000 |
| Total capital | 13,577,000 | 13,686,000 | 13,728,000 | 13,463,000 |
| Risk-weighted assets | 75,589,000 | 77,189,000 | 75,465,000 | 77,398,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS DEPOSIT BANK & TRUST, INC. — 2009 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.