Call reports 2009
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2009
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 156,693,000 | 155,308,000 | 157,523,000 | 163,362,000 |
| Total loans | 75,579,000 | 74,126,000 | 74,214,000 | 74,072,000 |
| Allowance for loan losses | 1,121,000 | 1,105,000 | 1,056,000 | 1,125,000 |
| Securities available for sale | 45,373,000 | 44,684,000 | 44,761,000 | 44,564,000 |
| Securities held to maturity | 20,996,000 | 22,461,000 | 23,984,000 | 24,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,672,000 | 126,122,000 | 127,434,000 | 133,160,000 |
| Interest-bearing deposits | 101,565,000 | 100,411,000 | 100,740,000 | 104,794,000 |
| Noninterest-bearing deposits | 26,107,000 | 25,711,000 | 26,694,000 | 28,366,000 |
| Equity capital | 27,880,000 | 27,933,000 | 28,649,000 | 28,762,000 |
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 | 2,057,000 | 4,100,000 | 6,081,000 | 8,085,000 |
| Interest expense | 484,000 | 922,000 | 1,327,000 | 1,720,000 |
| Net interest income | 1,573,000 | 3,178,000 | 4,754,000 | 6,365,000 |
| Noninterest income | 258,000 | 540,000 | 811,000 | 1,223,000 |
| Noninterest expense | 1,255,000 | 2,443,000 | 3,674,000 | 5,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 577,000 | 1,278,000 | 1,897,000 | 2,505,000 |
| Income tax | 150,000 | 337,000 | 490,000 | 549,000 |
| Net income | 427,000 | 941,000 | 1,407,000 | 1,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,861,000 | 27,014,000 | 27,481,000 | 27,670,000 |
| Total capital | 27,982,000 | 28,119,000 | 28,537,000 | 28,795,000 |
| Risk-weighted assets | 91,402,000 | 90,524,000 | 91,706,000 | 92,597,000 |
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