Call reports 2007
CITIZENS BANK & TRUST COMPANY — 2007
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 131,445,000 | 130,144,000 | 128,214,000 | 127,379,000 |
| Total loans | 85,643,000 | 88,031,000 | 88,577,000 | 89,606,000 |
| Allowance for loan losses | 640,000 | 659,000 | 685,000 | 760,000 |
| Securities available for sale | 33,917,000 | 30,766,000 | 30,014,000 | 18,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,507,000 | 119,952,000 | 117,410,000 | 116,097,000 |
| Interest-bearing deposits | 93,070,000 | 92,385,000 | 91,115,000 | 89,008,000 |
| Noninterest-bearing deposits | 28,437,000 | 27,567,000 | 26,295,000 | 27,089,000 |
| Equity capital | 9,050,000 | 9,206,000 | 9,602,000 | 9,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,979,000 | 4,039,000 | 6,121,000 | 8,096,000 |
| Interest expense | 767,000 | 1,581,000 | 2,424,000 | 3,247,000 |
| Net interest income | 1,212,000 | 2,458,000 | 3,697,000 | 4,849,000 |
| Noninterest income | 132,000 | 267,000 | 374,000 | 583,000 |
| Noninterest expense | 923,000 | 1,934,000 | 2,974,000 | 4,022,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 146,000 |
| Pretax income | 385,000 | 731,000 | 1,037,000 | 1,249,000 |
| Income tax | 121,000 | 224,000 | 313,000 | 341,000 |
| Net income | 264,000 | 507,000 | 724,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,880,000 | 9,119,000 | 9,332,000 | 9,313,000 |
| Total capital | 9,694,000 | 9,952,000 | 10,191,000 | 10,247,000 |
| Risk-weighted assets | 90,806,000 | 91,674,000 | 91,032,000 | 90,263,000 |
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