Call reports 2011
CITIZENS BANK & TRUST COMPANY — 2011
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 112,509,000 | 110,112,000 | 109,593,000 | 110,196,000 |
| Total loans | 65,888,000 | 65,126,000 | 65,178,000 | 64,965,000 |
| Allowance for loan losses | 1,476,000 | 1,366,000 | 1,352,000 | 1,282,000 |
| Securities available for sale | 21,758,000 | 17,020,000 | 12,910,000 | 16,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,425,000 | 97,732,000 | 97,216,000 | 98,025,000 |
| Interest-bearing deposits | 74,952,000 | 73,002,000 | 71,589,000 | 72,201,000 |
| Noninterest-bearing deposits | 25,473,000 | 24,730,000 | 25,627,000 | 25,824,000 |
| Equity capital | 11,345,000 | 11,591,000 | 11,580,000 | 11,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,200,000 | 2,407,000 | 3,579,000 | 4,733,000 |
| Interest expense | 166,000 | 322,000 | 453,000 | 569,000 |
| Net interest income | 1,034,000 | 2,085,000 | 3,126,000 | 4,164,000 |
| Noninterest income | 120,000 | 254,000 | 277,000 | 401,000 |
| Noninterest expense | 1,072,000 | 2,114,000 | 3,093,000 | 4,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 225,000 | 310,000 | 401,000 |
| Income tax | 8,000 | 24,000 | 46,000 | 78,000 |
| Net income | 74,000 | 201,000 | 264,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,211,000 | 11,306,000 | 11,323,000 | 11,361,000 |
| Total capital | 12,275,000 | 12,339,000 | 12,337,000 | 12,385,000 |
| Risk-weighted assets | 70,646,000 | 68,122,000 | 66,590,000 | 67,556,000 |