Call reports 2012
CITIZENS BANK & TRUST COMPANY — 2012
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 108,647,000 | 107,899,000 | 111,284,000 | 108,166,000 |
| Total loans | 64,540,000 | 66,071,000 | 68,409,000 | 68,880,000 |
| Allowance for loan losses | 1,280,000 | 1,272,000 | 1,124,000 | 1,106,000 |
| Securities available for sale | 16,354,000 | 17,408,000 | 17,586,000 | 13,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,336,000 | 95,451,000 | 98,667,000 | 95,588,000 |
| Interest-bearing deposits | 70,894,000 | 69,211,000 | 71,819,000 | 67,909,000 |
| Noninterest-bearing deposits | 25,442,000 | 26,240,000 | 26,848,000 | 27,679,000 |
| Equity capital | 11,624,000 | 11,657,000 | 11,708,000 | 11,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,129,000 | 2,256,000 | 3,426,000 | 4,570,000 |
| Interest expense | 106,000 | 206,000 | 298,000 | 387,000 |
| Net interest income | 1,023,000 | 2,050,000 | 3,128,000 | 4,183,000 |
| Noninterest income | 105,000 | 180,000 | 10,000 | 113,000 |
| Noninterest expense | 1,071,000 | 2,121,000 | 3,204,000 | 4,287,000 |
| Provision for loan losses | 0 | 0 | -250,000 | -250,000 |
| Pretax income | 57,000 | 109,000 | 184,000 | 259,000 |
| Income tax | 4,000 | 7,000 | 19,000 | 44,000 |
| Net income | 53,000 | 102,000 | 165,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,382,000 | 11,398,000 | 11,429,000 | 11,445,000 |
| Total capital | 12,395,000 | 12,433,000 | 12,479,000 | 12,488,000 |
| Risk-weighted assets | 66,716,000 | 68,448,000 | 69,732,000 | 69,275,000 |