Call reports 2007
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2007
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 155,370,000 | 157,798,000 | 157,559,000 | 157,767,000 |
| Total loans | 73,592,000 | 73,178,000 | 72,024,000 | 71,998,000 |
| Allowance for loan losses | 1,227,000 | 1,229,000 | 1,218,000 | 1,162,000 |
| Securities available for sale | 48,276,000 | 53,201,000 | 52,932,000 | 51,621,000 |
| Securities held to maturity | 17,973,000 | 18,429,000 | 18,688,000 | 18,679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,299,000 | 124,316,000 | 128,607,000 | 129,210,000 |
| Interest-bearing deposits | 100,041,000 | 97,898,000 | 100,447,000 | 99,611,000 |
| Noninterest-bearing deposits | 27,258,000 | 26,418,000 | 28,160,000 | 29,599,000 |
| Equity capital | 26,764,000 | 26,124,000 | 27,043,000 | 27,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,154,000 | 4,340,000 | 6,598,000 | 8,848,000 |
| Interest expense | 682,000 | 1,409,000 | 2,168,000 | 2,934,000 |
| Net interest income | 1,472,000 | 2,931,000 | 4,430,000 | 5,914,000 |
| Noninterest income | 240,000 | 503,000 | 794,000 | 1,093,000 |
| Noninterest expense | 1,197,000 | 2,227,000 | 3,373,000 | 4,532,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 515,000 | 1,207,000 | 1,855,000 | 2,531,000 |
| Income tax | 126,000 | 320,000 | 494,000 | 663,000 |
| Net income | 389,000 | 887,000 | 1,361,000 | 1,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,074,000 | 26,772,000 | 27,246,000 | 26,953,000 |
| Total capital | 28,168,000 | 27,877,000 | 28,350,000 | 28,056,000 |
| Risk-weighted assets | 87,375,000 | 88,912,000 | 88,173,000 | 88,198,000 |
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