Call reports 2010
CITIZENS BANK & TRUST COMPANY — 2010
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 113,275,000 | 111,657,000 | 109,826,000 | 109,626,000 |
| Total loans | 73,582,000 | 70,395,000 | 66,961,000 | 65,294,000 |
| Allowance for loan losses | 1,690,000 | 1,698,000 | 1,604,000 | 1,521,000 |
| Securities available for sale | 23,549,000 | 24,593,000 | 22,771,000 | 27,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,979,000 | 99,316,000 | 97,310,000 | 97,590,000 |
| Interest-bearing deposits | 77,886,000 | 75,817,000 | 73,634,000 | 73,035,000 |
| Noninterest-bearing deposits | 23,093,000 | 23,499,000 | 23,676,000 | 24,555,000 |
| Equity capital | 11,340,000 | 11,450,000 | 11,540,000 | 11,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,300,000 | 2,584,000 | 3,829,000 | 5,052,000 |
| Interest expense | 254,000 | 480,000 | 693,000 | 883,000 |
| Net interest income | 1,046,000 | 2,104,000 | 3,136,000 | 4,169,000 |
| Noninterest income | 130,000 | 308,000 | 395,000 | 521,000 |
| Noninterest expense | 1,130,000 | 2,258,000 | 3,381,000 | 4,540,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 0 |
| Pretax income | 16,000 | 94,000 | 90,000 | 150,000 |
| Income tax | -10,000 | -11,000 | -23,000 | -23,000 |
| Net income | 26,000 | 105,000 | 113,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,057,000 | 11,112,000 | 11,143,000 | 11,170,000 |
| Total capital | 12,216,000 | 12,232,000 | 12,221,000 | 12,244,000 |
| Risk-weighted assets | 78,128,000 | 74,994,000 | 71,682,000 | 71,395,000 |