Call reports 2009
CITIZENS BANK & TRUST COMPANY — 2009
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 129,696,000 | 125,337,000 | 121,071,000 | 118,285,000 |
| Total loans | 76,153,000 | 78,941,000 | 77,959,000 | 76,230,000 |
| Allowance for loan losses | 1,111,000 | 1,653,000 | 1,621,000 | 1,686,000 |
| Securities available for sale | 26,505,000 | 31,432,000 | 30,368,000 | 28,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,737,000 | 112,865,000 | 108,350,000 | 105,900,000 |
| Interest-bearing deposits | 89,691,000 | 88,331,000 | 83,842,000 | 80,835,000 |
| Noninterest-bearing deposits | 27,046,000 | 24,534,000 | 24,508,000 | 25,065,000 |
| Equity capital | 12,015,000 | 11,471,000 | 11,720,000 | 11,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,918,000 | 4,358,000 | 5,749,000 |
| Interest expense | 573,000 | 1,017,000 | 1,413,000 | 1,732,000 |
| Net interest income | 876,000 | 1,901,000 | 2,945,000 | 4,017,000 |
| Noninterest income | 123,000 | 283,000 | 445,000 | 537,000 |
| Noninterest expense | 998,000 | 2,206,000 | 3,325,000 | 4,559,000 |
| Provision for loan losses | 0 | 765,000 | 765,000 | 1,200,000 |
| Pretax income | 1,000 | -764,000 | -674,000 | -1,179,000 |
| Income tax | -14,000 | -309,000 | -296,000 | -497,000 |
| Net income | 15,000 | -455,000 | -378,000 | -682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,639,000 | 11,203,000 | 11,319,000 | 11,030,000 |
| Total capital | 12,811,000 | 12,415,000 | 12,522,000 | 12,224,000 |
| Risk-weighted assets | 79,734,000 | 82,467,000 | 81,731,000 | 80,932,000 |