Call reports 2006
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2006
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,619,000 | 149,811,000 | 153,818,000 | 154,363,000 |
| Total loans | 65,173,000 | 69,185,000 | 71,586,000 | 71,286,000 |
| Allowance for loan losses | 1,344,000 | 1,388,000 | 1,393,000 | 1,274,000 |
| Securities available for sale | 53,066,000 | 51,983,000 | 51,515,000 | 50,543,000 |
| Securities held to maturity | 15,874,000 | 15,594,000 | 17,243,000 | 17,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,861,000 | 119,750,000 | 122,055,000 | 123,526,000 |
| Interest-bearing deposits | 93,661,000 | 91,210,000 | 94,608,000 | 97,089,000 |
| Noninterest-bearing deposits | 27,200,000 | 28,540,000 | 27,447,000 | 26,436,000 |
| Equity capital | 26,014,000 | 25,470,000 | 26,365,000 | 26,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,857,000 | 3,830,000 | 5,910,000 | 8,062,000 |
| Interest expense | 495,000 | 1,067,000 | 1,731,000 | 2,451,000 |
| Net interest income | 1,362,000 | 2,763,000 | 4,179,000 | 5,611,000 |
| Noninterest income | 257,000 | 545,000 | 823,000 | 1,093,000 |
| Noninterest expense | 1,164,000 | 2,140,000 | 3,281,000 | 4,432,000 |
| Provision for loan losses | 0 | 0 | 0 | -125,000 |
| Pretax income | 455,000 | 1,168,000 | 1,721,000 | 2,397,000 |
| Income tax | 121,000 | 339,000 | 492,000 | 617,000 |
| Net income | 334,000 | 829,000 | 1,229,000 | 1,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,839,000 | 26,534,000 | 26,934,000 | 26,685,000 |
| Total capital | 27,847,000 | 27,591,000 | 28,020,000 | 27,762,000 |
| Risk-weighted assets | 80,056,000 | 84,017,000 | 86,541,000 | 85,967,000 |
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