Call reports 2009
CITIZENS TRUST BANK — 2009
What CITIZENS TRUST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 403,740,000 | 379,331,000 | 380,966,000 | 387,130,000 |
| Total loans | 213,556,000 | 212,068,000 | 209,952,000 | 204,313,000 |
| Allowance for loan losses | 4,930,000 | 4,219,000 | 4,638,000 | 4,094,000 |
| Securities available for sale | 92,059,000 | 108,903,000 | 104,599,000 | 112,644,000 |
| Securities held to maturity | 4,532,000 | 4,447,000 | 4,378,000 | 3,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,660,000 | 314,601,000 | 313,456,000 | 326,546,000 |
| Interest-bearing deposits | 265,235,000 | 245,360,000 | 254,627,000 | 267,611,000 |
| Noninterest-bearing deposits | 73,425,000 | 69,241,000 | 58,829,000 | 58,935,000 |
| Equity capital | 34,131,000 | 34,064,000 | 42,115,000 | 41,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,629,000 | 9,374,000 | 14,259,000 | 18,946,000 |
| Interest expense | 979,000 | 2,109,000 | 3,027,000 | 3,820,000 |
| Net interest income | 3,650,000 | 7,265,000 | 11,232,000 | 15,126,000 |
| Noninterest income | 1,286,000 | 2,640,000 | 4,029,000 | 5,483,000 |
| Noninterest expense | 4,163,000 | 8,486,000 | 12,840,000 | 17,157,000 |
| Provision for loan losses | 438,000 | 1,376,000 | 2,147,000 | 2,960,000 |
| Pretax income | 358,000 | 205,000 | 727,000 | 1,168,000 |
| Income tax | 18,000 | -158,000 | -126,000 | -113,000 |
| Net income | 340,000 | 363,000 | 853,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,899,000 | 30,056,000 | 36,678,000 | 37,240,000 |
| Total capital | 33,047,000 | 33,236,000 | 39,826,000 | 40,397,000 |
| Risk-weighted assets | 259,602,000 | 264,095,000 | 260,525,000 | 260,589,000 |