Call reports 2007
CITIZENS TRUST BANK — 2007
What CITIZENS TRUST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 339,010,000 | 340,062,000 | 336,861,000 | 338,115,000 |
| Total loans | 214,292,000 | 232,315,000 | 236,090,000 | 238,211,000 |
| Allowance for loan losses | 3,044,000 | 3,038,000 | 2,948,000 | 2,848,000 |
| Securities available for sale | 68,037,000 | 64,898,000 | 60,442,000 | 59,678,000 |
| Securities held to maturity | 8,116,000 | 8,060,000 | 8,019,000 | 7,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,275,000 | 287,649,000 | 282,558,000 | 279,978,000 |
| Interest-bearing deposits | 229,054,000 | 222,491,000 | 228,402,000 | 225,705,000 |
| Noninterest-bearing deposits | 60,221,000 | 65,159,000 | 54,155,000 | 54,273,000 |
| Equity capital | 35,836,000 | 30,100,000 | 31,426,000 | 32,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,451,000 | 11,032,000 | 16,771,000 | 22,540,000 |
| Interest expense | 1,945,000 | 3,922,000 | 6,061,000 | 8,136,000 |
| Net interest income | 3,506,000 | 7,110,000 | 10,710,000 | 14,404,000 |
| Noninterest income | 1,063,000 | 2,287,000 | 3,401,000 | 4,858,000 |
| Noninterest expense | 3,726,000 | 7,506,000 | 11,319,000 | 15,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 810,000 | 1,858,000 | 2,762,000 | 4,181,000 |
| Income tax | 159,000 | 391,000 | 583,000 | 973,000 |
| Net income | 651,000 | 1,467,000 | 2,179,000 | 3,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,747,000 | 30,584,000 | 31,308,000 | 32,351,000 |
| Total capital | 38,747,000 | 33,485,000 | 34,256,000 | 35,199,000 |
| Risk-weighted assets | 240,200,000 | 254,114,000 | 258,118,000 | 259,213,000 |
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