Call reports 2012
CITIZENS BANK & TRUST COMPANY — 2012
What CITIZENS BANK & TRUST COMPANY 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 | 98,758,000 | 97,179,000 | 112,441,000 | 114,138,000 |
| Total loans | 51,673,000 | 53,451,000 | 54,756,000 | 53,775,000 |
| Allowance for loan losses | 1,115,000 | 1,063,000 | 1,094,000 | 1,085,000 |
| Securities available for sale | 28,453,000 | 26,763,000 | 26,375,000 | 27,989,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,225,000 | 83,705,000 | 98,767,000 | 100,140,000 |
| Interest-bearing deposits | 66,762,000 | 65,532,000 | 70,762,000 | 77,113,000 |
| Noninterest-bearing deposits | 18,463,000 | 18,173,000 | 28,005,000 | 23,027,000 |
| Equity capital | 11,221,000 | 11,344,000 | 11,515,000 | 11,559,000 |
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 | 985,000 | 1,948,000 | 2,951,000 | 3,929,000 |
| Interest expense | 114,000 | 208,000 | 301,000 | 400,000 |
| Net interest income | 871,000 | 1,740,000 | 2,650,000 | 3,529,000 |
| Noninterest income | 94,000 | 191,000 | 301,000 | 398,000 |
| Noninterest expense | 665,000 | 1,319,000 | 1,975,000 | 2,658,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 290,000 | 572,000 | 906,000 | 1,169,000 |
| Income tax | 98,000 | 183,000 | 306,000 | 391,000 |
| Net income | 192,000 | 389,000 | 600,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,685,000 | 8,823,000 | 8,974,000 | 9,092,000 |
| Total capital | 9,431,000 | 9,596,000 | 9,753,000 | 9,863,000 |
| Risk-weighted assets | 59,340,000 | 61,531,000 | 61,978,000 | 61,356,000 |
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