Call reports 2006
CITIZENS TRUST BANK — 2006
What CITIZENS TRUST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 334,180,000 | 330,163,000 | 327,711,000 | 334,636,000 |
| Total loans | 219,510,000 | 222,883,000 | 214,471,000 | 221,112,000 |
| Allowance for loan losses | 3,282,000 | 3,215,000 | 3,219,000 | 3,109,000 |
| Securities available for sale | 69,697,000 | 67,129,000 | 69,613,000 | 70,347,000 |
| Securities held to maturity | 9,305,000 | 8,868,000 | 8,805,000 | 8,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,305,000 | 268,173,000 | 264,818,000 | 269,043,000 |
| Interest-bearing deposits | 202,876,000 | 204,122,000 | 201,365,000 | 208,758,000 |
| Noninterest-bearing deposits | 65,429,000 | 64,051,000 | 63,453,000 | 60,285,000 |
| Equity capital | 33,152,000 | 32,571,000 | 34,070,000 | 35,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,204,000 | 10,702,000 | 16,074,000 | 21,615,000 |
| Interest expense | 1,572,000 | 3,252,000 | 5,038,000 | 6,877,000 |
| Net interest income | 3,632,000 | 7,450,000 | 11,036,000 | 14,738,000 |
| Noninterest income | 1,292,000 | 2,497,000 | 3,645,000 | 4,711,000 |
| Noninterest expense | 3,869,000 | 7,838,000 | 11,571,000 | 15,121,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 1,028,000 | 2,206,000 | 3,207,000 | 4,452,000 |
| Income tax | 231,000 | 505,000 | 719,000 | 991,000 |
| Net income | 797,000 | 1,701,000 | 2,488,000 | 3,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,027,000 | 33,234,000 | 34,123,000 | 35,197,000 |
| Total capital | 35,965,000 | 36,159,000 | 36,985,000 | 38,162,000 |
| Risk-weighted assets | 230,686,000 | 233,780,000 | 229,117,000 | 237,168,000 |