Call reports 2009
CITIZENS BANK & TRUST COMPANY — 2009
What CITIZENS BANK & TRUST COMPANY 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 | 94,110,000 | 97,396,000 | 92,062,000 | 96,406,000 |
| Total loans | 54,295,000 | 55,597,000 | 57,451,000 | 54,384,000 |
| Allowance for loan losses | 768,000 | 737,000 | 729,000 | 487,000 |
| Securities available for sale | 23,886,000 | 24,248,000 | 23,590,000 | 24,237,000 |
| Securities held to maturity | 316,000 | 316,000 | 151,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,849,000 | 84,131,000 | 77,831,000 | 82,478,000 |
| Interest-bearing deposits | 66,419,000 | 68,684,000 | 63,571,000 | 65,768,000 |
| Noninterest-bearing deposits | 14,430,000 | 15,447,000 | 14,260,000 | 16,710,000 |
| Equity capital | 10,770,000 | 10,845,000 | 10,998,000 | 10,917,000 |
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 | 1,207,000 | 2,392,000 | 3,614,000 | 4,792,000 |
| Interest expense | 352,000 | 683,000 | 981,000 | 1,255,000 |
| Net interest income | 855,000 | 1,709,000 | 2,633,000 | 3,537,000 |
| Noninterest income | 82,000 | 165,000 | 268,000 | 368,000 |
| Noninterest expense | 541,000 | 1,168,000 | 1,788,000 | 2,517,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 391,000 | 701,000 | 1,105,000 | 1,350,000 |
| Income tax | 137,000 | 243,000 | 439,000 | 542,000 |
| Net income | 254,000 | 458,000 | 666,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,867,000 | 7,929,000 | 8,136,000 | 8,231,000 |
| Total capital | 8,617,000 | 8,666,000 | 8,865,000 | 8,718,000 |
| Risk-weighted assets | 60,014,000 | 60,500,000 | 63,082,000 | 60,694,000 |
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