Call reports 2012
CITIZENS BANK & TRUST — 2012
What CITIZENS BANK & TRUST 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 | 87,350,000 | 84,465,000 | 83,287,000 | 89,156,000 |
| Total loans | 33,244,000 | 35,002,000 | 36,433,000 | 38,496,000 |
| Allowance for loan losses | 608,000 | 612,000 | 620,000 | 634,000 |
| Securities available for sale | 34,683,000 | 29,589,000 | 27,249,000 | 26,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,621,000 | 71,411,000 | 69,802,000 | 76,714,000 |
| Interest-bearing deposits | 62,085,000 | 59,087,000 | 58,217,000 | 62,585,000 |
| Noninterest-bearing deposits | 13,536,000 | 12,324,000 | 11,585,000 | 14,129,000 |
| Equity capital | 9,474,000 | 9,724,000 | 9,999,000 | 9,880,000 |
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 | 728,000 | 1,459,000 | 2,191,000 | 2,911,000 |
| Interest expense | 86,000 | 162,000 | 232,000 | 293,000 |
| Net interest income | 642,000 | 1,297,000 | 1,959,000 | 2,618,000 |
| Noninterest income | 134,000 | 278,000 | 428,000 | 528,000 |
| Noninterest expense | 522,000 | 1,025,000 | 1,496,000 | 1,986,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 242,000 | 526,000 | 855,000 | 1,112,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 242,000 | 526,000 | 855,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,207,000 | 8,391,000 | 8,620,000 | 8,677,000 |
| Total capital | 8,752,000 | 8,947,000 | 9,182,000 | 9,276,000 |
| Risk-weighted assets | 43,521,000 | 44,422,000 | 44,908,000 | 47,878,000 |
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