Call reports 2011
CITIZENS DEPOSIT BANK & TRUST, INC. — 2011
What CITIZENS DEPOSIT BANK & TRUST, INC. 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 | 205,326,000 | 207,868,000 | 211,620,000 | 212,945,000 |
| Total loans | 130,428,000 | 130,925,000 | 128,996,000 | 127,818,000 |
| Allowance for loan losses | 1,226,000 | 1,193,000 | 1,278,000 | 1,304,000 |
| Securities available for sale | 56,758,000 | 62,284,000 | 59,198,000 | 64,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,208,000 | 177,547,000 | 181,009,000 | 183,523,000 |
| Interest-bearing deposits | 139,450,000 | 139,685,000 | 140,654,000 | 141,909,000 |
| Noninterest-bearing deposits | 38,758,000 | 37,862,000 | 40,355,000 | 41,614,000 |
| Equity capital | 19,213,000 | 20,397,000 | 21,335,000 | 21,126,000 |
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 | 2,280,000 | 4,625,000 | 7,008,000 | 9,347,000 |
| Interest expense | 340,000 | 689,000 | 1,037,000 | 1,351,000 |
| Net interest income | 1,940,000 | 3,936,000 | 5,971,000 | 7,996,000 |
| Noninterest income | 523,000 | 1,079,000 | 1,694,000 | 2,211,000 |
| Noninterest expense | 1,566,000 | 3,194,000 | 4,813,000 | 6,206,000 |
| Provision for loan losses | 90,000 | 160,000 | 288,000 | 393,000 |
| Pretax income | 807,000 | 1,679,000 | 2,582,000 | 3,626,000 |
| Income tax | 274,000 | 570,000 | 877,000 | 1,227,000 |
| Net income | 533,000 | 1,109,000 | 1,705,000 | 2,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,444,000 | 16,714,000 | 17,154,000 | 17,375,000 |
| Total capital | 17,670,000 | 17,907,000 | 18,432,000 | 18,679,000 |
| Risk-weighted assets | 122,273,000 | 123,756,000 | 120,815,000 | 125,168,000 |
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