Call reports 2011
CITIZENS BANK & TRUST COMPANY — 2011
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 98,507,000 | 98,710,000 | 96,894,000 | 103,396,000 |
| Total loans | 53,487,000 | 55,891,000 | 56,011,000 | 52,289,000 |
| Allowance for loan losses | 1,073,000 | 1,098,000 | 1,081,000 | 1,112,000 |
| Securities available for sale | 25,545,000 | 25,991,000 | 24,009,000 | 27,013,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,332,000 | 85,527,000 | 83,030,000 | 89,849,000 |
| Interest-bearing deposits | 69,313,000 | 68,865,000 | 65,795,000 | 68,153,000 |
| Noninterest-bearing deposits | 16,019,000 | 16,662,000 | 17,235,000 | 21,696,000 |
| Equity capital | 10,780,000 | 10,998,000 | 11,234,000 | 11,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,032,000 | 2,072,000 | 3,149,000 | 4,165,000 |
| Interest expense | 184,000 | 347,000 | 498,000 | 635,000 |
| Net interest income | 848,000 | 1,725,000 | 2,651,000 | 3,530,000 |
| Noninterest income | 93,000 | 177,000 | 272,000 | 386,000 |
| Noninterest expense | 649,000 | 1,314,000 | 1,947,000 | 2,617,000 |
| Provision for loan losses | 0 | 60,000 | 90,000 | 110,000 |
| Pretax income | 292,000 | 528,000 | 886,000 | 1,189,000 |
| Income tax | 99,000 | 177,000 | 302,000 | 406,000 |
| Net income | 193,000 | 351,000 | 584,000 | 783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,374,000 | 8,472,000 | 8,646,000 | 8,786,000 |
| Total capital | 9,134,000 | 9,272,000 | 9,443,000 | 9,538,000 |
| Risk-weighted assets | 60,500,000 | 63,662,000 | 63,437,000 | 59,818,000 |
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