Call reports 2010
CITIZENS BANK & TRUST — 2010
What CITIZENS BANK & TRUST 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 | 75,011,000 | 76,862,000 | 76,147,000 | 81,923,000 |
| Total loans | 29,333,000 | 30,333,000 | 31,466,000 | 35,291,000 |
| Allowance for loan losses | 776,000 | 721,000 | 729,000 | 635,000 |
| Securities available for sale | 29,140,000 | 34,626,000 | 36,626,000 | 36,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,128,000 | 66,542,000 | 65,448,000 | 70,277,000 |
| Interest-bearing deposits | 55,671,000 | 56,913,000 | 57,283,000 | 58,995,000 |
| Noninterest-bearing deposits | 9,457,000 | 9,629,000 | 8,165,000 | 11,282,000 |
| Equity capital | 7,767,000 | 8,206,000 | 8,544,000 | 7,920,000 |
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 | 692,000 | 1,436,000 | 2,199,000 | 2,966,000 |
| Interest expense | 205,000 | 401,000 | 589,000 | 752,000 |
| Net interest income | 487,000 | 1,035,000 | 1,610,000 | 2,214,000 |
| Noninterest income | 134,000 | 295,000 | 450,000 | 620,000 |
| Noninterest expense | 482,000 | 959,000 | 1,411,000 | 1,884,000 |
| Provision for loan losses | 0 | 0 | 0 | 29,000 |
| Pretax income | 139,000 | 371,000 | 649,000 | 921,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 139,000 | 371,000 | 649,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,263,000 | 7,395,000 | 7,572,000 | 7,645,000 |
| Total capital | 7,742,000 | 7,886,000 | 8,083,000 | 8,196,000 |
| Risk-weighted assets | 38,040,000 | 39,084,000 | 40,660,000 | 43,994,000 |
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