Call reports 2009
CITIZENS BANK & TRUST — 2009
What CITIZENS BANK & TRUST 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 | 64,582,000 | 65,794,000 | 66,145,000 | 73,849,000 |
| Total loans | 31,793,000 | 32,441,000 | 32,880,000 | 32,340,000 |
| Allowance for loan losses | 860,000 | 790,000 | 784,000 | 773,000 |
| Securities available for sale | 22,486,000 | 23,683,000 | 24,419,000 | 25,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,253,000 | 56,316,000 | 55,980,000 | 63,922,000 |
| Interest-bearing deposits | 47,744,000 | 47,831,000 | 47,970,000 | 53,273,000 |
| Noninterest-bearing deposits | 8,509,000 | 8,485,000 | 8,010,000 | 10,649,000 |
| Equity capital | 7,461,000 | 7,480,000 | 7,990,000 | 7,787,000 |
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 | 772,000 | 1,576,000 | 2,356,000 | 3,094,000 |
| Interest expense | 244,000 | 465,000 | 676,000 | 883,000 |
| Net interest income | 528,000 | 1,111,000 | 1,680,000 | 2,211,000 |
| Noninterest income | 152,000 | 301,000 | 460,000 | 624,000 |
| Noninterest expense | 439,000 | 933,000 | 1,393,000 | 1,884,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 241,000 | 479,000 | 747,000 | 951,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 241,000 | 479,000 | 747,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,114,000 | 7,202,000 | 7,320,000 | 7,324,000 |
| Total capital | 7,610,000 | 7,681,000 | 7,799,000 | 7,830,000 |
| Risk-weighted assets | 39,309,000 | 37,977,000 | 38,519,000 | 40,250,000 |
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