Call reports 2010
CITIZENS BANK & TRUST COMPANY — 2010
What CITIZENS BANK & TRUST COMPANY 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 | 92,886,000 | 91,825,000 | 93,856,000 | 100,168,000 |
| Total loans | 55,856,000 | 57,988,000 | 58,292,000 | 53,730,000 |
| Allowance for loan losses | 444,000 | 1,064,000 | 1,065,000 | 1,002,000 |
| Securities available for sale | 24,501,000 | 23,267,000 | 21,892,000 | 24,695,000 |
| Securities held to maturity | 100,000 | 100,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,676,000 | 78,998,000 | 80,317,000 | 86,802,000 |
| Interest-bearing deposits | 65,773,000 | 64,443,000 | 64,886,000 | 69,009,000 |
| Noninterest-bearing deposits | 13,903,000 | 14,555,000 | 15,431,000 | 17,793,000 |
| Equity capital | 10,699,000 | 10,557,000 | 10,829,000 | 10,730,000 |
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 | 1,142,000 | 2,325,000 | 3,483,000 | 4,586,000 |
| Interest expense | 242,000 | 468,000 | 691,000 | 895,000 |
| Net interest income | 900,000 | 1,857,000 | 2,792,000 | 3,691,000 |
| Noninterest income | 98,000 | 206,000 | 306,000 | 402,000 |
| Noninterest expense | 595,000 | 1,187,000 | 1,784,000 | 2,386,000 |
| Provision for loan losses | 140,000 | 760,000 | 775,000 | 920,000 |
| Pretax income | 263,000 | 116,000 | 539,000 | 787,000 |
| Income tax | 96,000 | 28,000 | 193,000 | 284,000 |
| Net income | 167,000 | 88,000 | 346,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,006,000 | 7,868,000 | 8,142,000 | 8,240,000 |
| Total capital | 8,450,000 | 8,677,000 | 8,960,000 | 9,008,000 |
| Risk-weighted assets | 62,554,000 | 64,481,000 | 65,156,000 | 61,192,000 |
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