Call reports 2012
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2012
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 187,732,000 | 187,863,000 | 185,844,000 | 186,722,000 |
| Total loans | 68,707,000 | 68,675,000 | 66,795,000 | 68,376,000 |
| Allowance for loan losses | 1,174,000 | 1,258,000 | 1,229,000 | 1,219,000 |
| Securities available for sale | 61,564,000 | 62,806,000 | 62,205,000 | 59,213,000 |
| Securities held to maturity | 35,046,000 | 37,784,000 | 38,451,000 | 39,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,358,000 | 154,514,000 | 151,426,000 | 152,817,000 |
| Interest-bearing deposits | 123,045,000 | 122,638,000 | 119,330,000 | 121,531,000 |
| Noninterest-bearing deposits | 31,313,000 | 31,876,000 | 32,096,000 | 31,286,000 |
| Equity capital | 32,006,000 | 31,866,000 | 32,588,000 | 32,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,896,000 | 3,783,000 | 5,628,000 | 7,458,000 |
| Interest expense | 233,000 | 465,000 | 666,000 | 858,000 |
| Net interest income | 1,663,000 | 3,318,000 | 4,962,000 | 6,600,000 |
| Noninterest income | 289,000 | 541,000 | 806,000 | 1,071,000 |
| Noninterest expense | 1,157,000 | 2,456,000 | 3,620,000 | 4,928,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 795,000 | 1,303,000 | 2,048,000 | 2,643,000 |
| Income tax | 179,000 | 244,000 | 400,000 | 391,000 |
| Net income | 616,000 | 1,059,000 | 1,648,000 | 2,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,798,000 | 30,601,000 | 31,189,000 | 31,193,000 |
| Total capital | 31,935,000 | 31,745,000 | 32,308,000 | 32,335,000 |
| Risk-weighted assets | 90,936,000 | 91,433,000 | 89,398,000 | 91,282,000 |
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