Call reports 2008
CITIZENS TRUST BANK — 2008
What CITIZENS TRUST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 354,311,000 | 347,640,000 | 335,107,000 | 347,751,000 |
| Total loans | 227,667,000 | 218,072,000 | 215,504,000 | 214,964,000 |
| Allowance for loan losses | 2,809,000 | 3,541,000 | 3,529,000 | 4,659,000 |
| Securities available for sale | 77,965,000 | 82,529,000 | 81,449,000 | 87,961,000 |
| Securities held to maturity | 4,705,000 | 4,684,000 | 4,613,000 | 4,583,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,875,000 | 311,128,000 | 286,958,000 | 282,132,000 |
| Interest-bearing deposits | 252,168,000 | 250,963,000 | 223,749,000 | 227,127,000 |
| Noninterest-bearing deposits | 61,707,000 | 60,165,000 | 63,209,000 | 55,005,000 |
| Equity capital | 33,662,000 | 32,201,000 | 32,666,000 | 33,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,305,000 | 10,414,000 | 15,190,000 | 19,963,000 |
| Interest expense | 1,906,000 | 3,675,000 | 5,209,000 | 6,413,000 |
| Net interest income | 3,399,000 | 6,739,000 | 9,981,000 | 13,550,000 |
| Noninterest income | 1,309,000 | 2,612,000 | 4,075,000 | 5,345,000 |
| Noninterest expense | 3,600,000 | 7,563,000 | 11,234,000 | 15,110,000 |
| Provision for loan losses | 105,000 | 1,109,000 | 1,239,000 | 2,489,000 |
| Pretax income | 1,030,000 | 706,000 | 1,621,000 | 1,339,000 |
| Income tax | 273,000 | 71,000 | 312,000 | 132,000 |
| Net income | 757,000 | 635,000 | 1,309,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,930,000 | 32,291,000 | 32,939,000 | 32,850,000 |
| Total capital | 35,739,000 | 35,447,000 | 35,894,000 | 35,951,000 |
| Risk-weighted assets | 254,166,000 | 251,338,000 | 249,292,000 | 248,762,000 |
Machine access — free, no API key
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