Call reports 2010
CITIZENS DEPOSIT BANK & TRUST, INC. — 2010
What CITIZENS DEPOSIT BANK & TRUST, INC. 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 | 125,249,000 | 122,159,000 | 201,230,000 | 199,980,000 |
| Total loans | 81,120,000 | 86,528,000 | 139,513,000 | 131,942,000 |
| Allowance for loan losses | 934,000 | 1,013,000 | 1,039,000 | 1,136,000 |
| Securities available for sale | 34,974,000 | 29,107,000 | 42,104,000 | 46,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,829,000 | 103,569,000 | 176,103,000 | 174,772,000 |
| Interest-bearing deposits | 79,436,000 | 79,433,000 | 137,517,000 | 136,694,000 |
| Noninterest-bearing deposits | 24,393,000 | 24,136,000 | 38,586,000 | 38,078,000 |
| Equity capital | 13,113,000 | 13,335,000 | 19,802,000 | 18,843,000 |
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 | 1,617,000 | 3,220,000 | 5,040,000 | 7,572,000 |
| Interest expense | 348,000 | 674,000 | 981,000 | 1,332,000 |
| Net interest income | 1,269,000 | 2,546,000 | 4,059,000 | 6,240,000 |
| Noninterest income | 400,000 | 822,000 | 1,314,000 | 1,923,000 |
| Noninterest expense | 1,029,000 | 2,091,000 | 3,341,000 | 5,216,000 |
| Provision for loan losses | 65,000 | 165,000 | 255,000 | 425,000 |
| Pretax income | 575,000 | 1,112,000 | 1,777,000 | 2,522,000 |
| Income tax | 195,000 | 377,000 | 603,000 | 867,000 |
| Net income | 380,000 | 735,000 | 1,174,000 | 1,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,692,000 | 12,743,000 | 16,015,000 | 16,193,000 |
| Total capital | 13,626,000 | 13,756,000 | 17,054,000 | 17,329,000 |
| Risk-weighted assets | 76,421,000 | 81,134,000 | 131,968,000 | 123,868,000 |
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