Call reports 2008
CITIZENS BANK & TRUST COMPANY — 2008
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 131,061,000 | 128,715,000 | 129,320,000 | 128,252,000 |
| Total loans | 88,770,000 | 86,113,000 | 81,415,000 | 79,237,000 |
| Allowance for loan losses | 816,000 | 762,000 | 794,000 | 1,438,000 |
| Securities available for sale | 22,302,000 | 25,930,000 | 22,983,000 | 19,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,827,000 | 117,473,000 | 117,948,000 | 117,448,000 |
| Interest-bearing deposits | 92,879,000 | 92,426,000 | 91,477,000 | 93,017,000 |
| Noninterest-bearing deposits | 26,948,000 | 25,047,000 | 26,471,000 | 24,431,000 |
| Equity capital | 9,967,000 | 9,936,000 | 10,030,000 | 9,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,952,000 | 3,821,000 | 5,592,000 | 7,197,000 |
| Interest expense | 796,000 | 1,496,000 | 2,131,000 | 2,806,000 |
| Net interest income | 1,156,000 | 2,325,000 | 3,461,000 | 4,391,000 |
| Noninterest income | 142,000 | 293,000 | 364,000 | 372,000 |
| Noninterest expense | 1,040,000 | 2,118,000 | 3,264,000 | 4,226,000 |
| Provision for loan losses | 114,000 | 162,000 | 210,000 | 908,000 |
| Pretax income | 338,000 | 532,000 | 583,000 | -26,000 |
| Income tax | 99,000 | 116,000 | 123,000 | -102,000 |
| Net income | 239,000 | 416,000 | 460,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,513,000 | 9,686,000 | 9,727,000 | 9,228,000 |
| Total capital | 10,503,000 | 10,622,000 | 10,695,000 | 10,429,000 |
| Risk-weighted assets | 90,963,000 | 89,902,000 | 86,064,000 | 81,710,000 |