Call reports 2010
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2010
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 169,430,000 | 167,412,000 | 169,114,000 | 172,389,000 |
| Total loans | 74,505,000 | 75,133,000 | 74,043,000 | 72,795,000 |
| Allowance for loan losses | 1,108,000 | 1,070,000 | 1,071,000 | 1,120,000 |
| Securities available for sale | 49,162,000 | 48,694,000 | 49,577,000 | 46,907,000 |
| Securities held to maturity | 24,840,000 | 26,073,000 | 28,395,000 | 31,519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,838,000 | 136,199,000 | 136,695,000 | 141,598,000 |
| Interest-bearing deposits | 111,295,000 | 108,258,000 | 108,435,000 | 111,391,000 |
| Noninterest-bearing deposits | 27,543,000 | 27,941,000 | 28,260,000 | 30,207,000 |
| Equity capital | 29,283,000 | 29,589,000 | 30,056,000 | 29,632,000 |
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 | 1,964,000 | 4,013,000 | 5,996,000 | 7,962,000 |
| Interest expense | 377,000 | 744,000 | 1,088,000 | 1,417,000 |
| Net interest income | 1,587,000 | 3,269,000 | 4,908,000 | 6,545,000 |
| Noninterest income | 280,000 | 569,000 | 882,000 | 1,192,000 |
| Noninterest expense | 1,140,000 | 2,284,000 | 3,521,000 | 4,872,000 |
| Provision for loan losses | 0 | 0 | 0 | 275,000 |
| Pretax income | 727,000 | 1,554,000 | 2,365,000 | 2,686,000 |
| Income tax | 189,000 | 415,000 | 621,000 | 619,000 |
| Net income | 538,000 | 1,139,000 | 1,744,000 | 2,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,208,000 | 28,209,000 | 28,814,000 | 28,818,000 |
| Total capital | 29,316,000 | 29,279,000 | 29,885,000 | 29,938,000 |
| Risk-weighted assets | 93,371,000 | 93,530,000 | 92,729,000 | 93,126,000 |
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