Call reports 2006
CITIZENS BANK & TRUST COMPANY — 2006
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 123,708,000 | 125,636,000 | 129,103,000 | 137,779,000 |
| Total loans | 69,563,000 | 75,720,000 | 77,540,000 | 80,792,000 |
| Allowance for loan losses | 556,000 | 576,000 | 598,000 | 616,000 |
| Securities available for sale | 36,685,000 | 37,719,000 | 41,132,000 | 41,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,988,000 | 116,735,000 | 119,403,000 | 127,634,000 |
| Interest-bearing deposits | 77,269,000 | 84,850,000 | 90,287,000 | 96,876,000 |
| Noninterest-bearing deposits | 37,719,000 | 31,885,000 | 29,116,000 | 30,758,000 |
| Equity capital | 7,952,000 | 8,120,000 | 8,711,000 | 8,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,374,000 | 5,276,000 | 7,259,000 |
| Interest expense | 406,000 | 905,000 | 1,505,000 | 2,244,000 |
| Net interest income | 1,242,000 | 2,469,000 | 3,771,000 | 5,015,000 |
| Noninterest income | 105,000 | 203,000 | 333,000 | 502,000 |
| Noninterest expense | 836,000 | 1,688,000 | 2,588,000 | 3,506,000 |
| Provision for loan losses | 24,000 | 98,000 | 122,000 | 146,000 |
| Pretax income | 487,000 | 886,000 | 1,394,000 | 1,865,000 |
| Income tax | 154,000 | 281,000 | 438,000 | 586,000 |
| Net income | 333,000 | 605,000 | 956,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,984,000 | 8,253,000 | 8,599,000 | 8,619,000 |
| Total capital | 8,714,000 | 9,003,000 | 9,371,000 | 9,409,000 |
| Risk-weighted assets | 76,979,000 | 81,833,000 | 83,825,000 | 88,507,000 |
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