Call reports 2011
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2011
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 176,085,000 | 176,726,000 | 177,850,000 | 181,414,000 |
| Total loans | 72,785,000 | 72,531,000 | 72,149,000 | 68,900,000 |
| Allowance for loan losses | 1,104,000 | 1,125,000 | 1,129,000 | 1,195,000 |
| Securities available for sale | 53,505,000 | 53,708,000 | 53,523,000 | 56,895,000 |
| Securities held to maturity | 32,288,000 | 33,129,000 | 33,718,000 | 35,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,696,000 | 144,427,000 | 144,465,000 | 148,694,000 |
| Interest-bearing deposits | 116,346,000 | 115,227,000 | 114,616,000 | 117,685,000 |
| Noninterest-bearing deposits | 28,350,000 | 29,200,000 | 29,849,000 | 31,009,000 |
| Equity capital | 30,272,000 | 30,874,000 | 31,656,000 | 31,361,000 |
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 | 1,991,000 | 3,993,000 | 5,978,000 | 7,888,000 |
| Interest expense | 300,000 | 583,000 | 848,000 | 1,104,000 |
| Net interest income | 1,691,000 | 3,410,000 | 5,130,000 | 6,784,000 |
| Noninterest income | 249,000 | 492,000 | 773,000 | 1,034,000 |
| Noninterest expense | 1,118,000 | 2,441,000 | 3,600,000 | 4,920,000 |
| Provision for loan losses | 0 | 115,000 | 140,000 | 190,000 |
| Pretax income | 848,000 | 1,413,000 | 2,230,000 | 2,775,000 |
| Income tax | 217,000 | 321,000 | 521,000 | 551,000 |
| Net income | 631,000 | 1,092,000 | 1,709,000 | 2,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,448,000 | 29,570,000 | 30,187,000 | 30,181,000 |
| Total capital | 30,552,000 | 30,695,000 | 31,316,000 | 31,320,000 |
| Risk-weighted assets | 94,372,000 | 92,004,000 | 92,402,000 | 90,825,000 |
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