Call reports 2008
CITIZENS BANK & TRUST — 2008
What CITIZENS BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 61,836,000 | 61,030,000 | 58,894,000 | 64,373,000 |
| Total loans | 33,854,000 | 34,078,000 | 33,377,000 | 34,931,000 |
| Allowance for loan losses | 878,000 | 888,000 | 894,000 | 910,000 |
| Securities available for sale | 13,064,000 | 17,278,000 | 18,971,000 | 18,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,584,000 | 53,050,000 | 50,813,000 | 56,197,000 |
| Interest-bearing deposits | 45,031,000 | 45,230,000 | 43,385,000 | 47,662,000 |
| Noninterest-bearing deposits | 8,553,000 | 7,820,000 | 7,427,000 | 8,536,000 |
| Equity capital | 7,088,000 | 6,822,000 | 6,946,000 | 7,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 871,000 | 1,722,000 | 2,536,000 | 3,347,000 |
| Interest expense | 355,000 | 690,000 | 990,000 | 1,268,000 |
| Net interest income | 516,000 | 1,032,000 | 1,546,000 | 2,079,000 |
| Noninterest income | 190,000 | 395,000 | 582,000 | 742,000 |
| Noninterest expense | 393,000 | 786,000 | 1,192,000 | 1,634,000 |
| Provision for loan losses | 23,000 | 46,000 | 70,000 | 93,000 |
| Pretax income | 290,000 | 595,000 | 866,000 | 1,094,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 290,000 | 595,000 | 866,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,862,000 | 6,968,000 | 7,045,000 | 7,071,000 |
| Total capital | 7,359,000 | 7,461,000 | 7,539,000 | 7,597,000 |
| Risk-weighted assets | 39,342,000 | 39,662,000 | 39,138,000 | 41,828,000 |
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