Call reports 2008
CITIZENS BANK & TRUST COMPANY — 2008
What CITIZENS BANK & TRUST COMPANY 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 | 47,970,000 | 47,249,000 | 93,670,000 | 99,579,000 |
| Total loans | 31,512,000 | 32,809,000 | 55,899,000 | 54,063,000 |
| Allowance for loan losses | 344,000 | 344,000 | 806,000 | 816,000 |
| Securities available for sale | 8,505,000 | 7,712,000 | 20,864,000 | 25,207,000 |
| Securities held to maturity | 261,000 | 261,000 | 366,000 | 316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,416,000 | 39,699,000 | 80,610,000 | 86,302,000 |
| Interest-bearing deposits | 32,588,000 | 30,814,000 | 65,278,000 | 68,177,000 |
| Noninterest-bearing deposits | 7,828,000 | 8,885,000 | 15,332,000 | 18,125,000 |
| Equity capital | 7,227,000 | 7,339,000 | 10,192,000 | 10,613,000 |
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 | 739,000 | 1,448,000 | 2,575,000 | 3,832,000 |
| Interest expense | 250,000 | 470,000 | 833,000 | 1,244,000 |
| Net interest income | 489,000 | 978,000 | 1,742,000 | 2,588,000 |
| Noninterest income | 41,000 | 83,000 | 162,000 | 247,000 |
| Noninterest expense | 289,000 | 575,000 | 1,113,000 | 1,753,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 517,000 | 822,000 | 1,112,000 |
| Income tax | 102,000 | 195,000 | 303,000 | 401,000 |
| Net income | 167,000 | 322,000 | 519,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,195,000 | 7,350,000 | 7,522,000 | 7,714,000 |
| Total capital | 7,539,000 | 7,694,000 | 8,305,000 | 8,512,000 |
| Risk-weighted assets | 34,429,000 | 35,108,000 | 62,690,000 | 63,827,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK & TRUST COMPANY — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.