Call reports 2011
CITIZENS TRUST BANK — 2011
What CITIZENS TRUST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 393,100,000 | 397,538,000 | 385,346,000 | 397,062,000 |
| Total loans | 192,129,000 | 195,532,000 | 196,387,000 | 199,387,000 |
| Allowance for loan losses | 3,840,000 | 3,434,000 | 3,585,000 | 3,956,000 |
| Securities available for sale | 122,560,000 | 118,739,000 | 123,037,000 | 124,242,000 |
| Securities held to maturity | 3,309,000 | 3,304,000 | 3,301,000 | 3,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,503,000 | 346,492,000 | 333,312,000 | 343,787,000 |
| Interest-bearing deposits | 274,046,000 | 287,653,000 | 275,204,000 | 283,449,000 |
| Noninterest-bearing deposits | 69,457,000 | 58,839,000 | 58,108,000 | 60,338,000 |
| Equity capital | 45,334,000 | 46,058,000 | 46,740,000 | 47,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,011,000 | 8,150,000 | 12,185,000 | 16,094,000 |
| Interest expense | 438,000 | 846,000 | 1,211,000 | 1,527,000 |
| Net interest income | 3,573,000 | 7,304,000 | 10,974,000 | 14,567,000 |
| Noninterest income | 881,000 | 1,821,000 | 2,509,000 | 3,968,000 |
| Noninterest expense | 3,895,000 | 7,859,000 | 11,593,000 | 15,418,000 |
| Provision for loan losses | 475,000 | 1,952,000 | 2,732,000 | 3,882,000 |
| Pretax income | 147,000 | -591,000 | -606,000 | -564,000 |
| Income tax | -110,000 | -516,000 | -670,000 | -998,000 |
| Net income | 257,000 | -75,000 | 64,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,184,000 | 40,970,000 | 41,226,000 | 40,214,000 |
| Total capital | 44,282,000 | 44,070,000 | 44,352,000 | 43,358,000 |
| Risk-weighted assets | 247,090,000 | 248,519,000 | 251,584,000 | 249,950,000 |