Call reports 2010
CITIZENS TRUST BANK — 2010
What CITIZENS TRUST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 413,739,000 | 393,980,000 | 396,458,000 | 387,731,000 |
| Total loans | 202,522,000 | 198,377,000 | 198,758,000 | 196,182,000 |
| Allowance for loan losses | 4,327,000 | 4,588,000 | 4,835,000 | 4,188,000 |
| Securities available for sale | 115,796,000 | 116,296,000 | 123,432,000 | 127,355,000 |
| Securities held to maturity | 3,870,000 | 3,510,000 | 3,314,000 | 3,311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,051,000 | 347,006,000 | 344,273,000 | 338,960,000 |
| Interest-bearing deposits | 284,564,000 | 293,187,000 | 282,542,000 | 279,061,000 |
| Noninterest-bearing deposits | 68,487,000 | 53,819,000 | 61,731,000 | 59,899,000 |
| Equity capital | 41,876,000 | 41,657,000 | 46,324,000 | 44,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,505,000 | 8,789,000 | 13,372,000 | 17,542,000 |
| Interest expense | 703,000 | 1,371,000 | 1,973,000 | 2,475,000 |
| Net interest income | 3,802,000 | 7,418,000 | 11,399,000 | 15,067,000 |
| Noninterest income | 1,424,000 | 2,640,000 | 3,898,000 | 5,517,000 |
| Noninterest expense | 4,199,000 | 10,055,000 | 14,369,000 | 18,765,000 |
| Provision for loan losses | 630,000 | 1,490,000 | 1,940,000 | 2,465,000 |
| Pretax income | 730,000 | -1,153,000 | -466,000 | -56,000 |
| Income tax | 76,000 | -736,000 | -673,000 | -836,000 |
| Net income | 654,000 | -417,000 | 207,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,024,000 | 37,075,000 | 41,117,000 | 40,809,000 |
| Total capital | 41,102,000 | 40,060,000 | 44,190,000 | 43,871,000 |
| Risk-weighted assets | 246,672,000 | 236,829,000 | 243,345,000 | 247,734,000 |
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