Call reports 2012
CITIZENS TRUST BANK — 2012
What CITIZENS TRUST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 406,836,000 | 396,343,000 | 392,286,000 | 395,375,000 |
| Total loans | 194,339,000 | 199,510,000 | 193,187,000 | 190,999,000 |
| Allowance for loan losses | 3,927,000 | 4,343,000 | 3,856,000 | 3,509,000 |
| Securities available for sale | 135,937,000 | 130,565,000 | 130,423,000 | 129,865,000 |
| Securities held to maturity | 3,293,000 | 2,797,000 | 2,316,000 | 1,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,786,000 | 328,341,000 | 338,144,000 | 340,797,000 |
| Interest-bearing deposits | 285,126,000 | 262,577,000 | 276,157,000 | 281,251,000 |
| Noninterest-bearing deposits | 68,660,000 | 65,764,000 | 61,987,000 | 59,546,000 |
| Equity capital | 47,746,000 | 47,704,000 | 48,336,000 | 48,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,935,000 | 8,073,000 | 12,055,000 | 15,530,000 |
| Interest expense | 297,000 | 570,000 | 818,000 | 1,052,000 |
| Net interest income | 3,638,000 | 7,503,000 | 11,237,000 | 14,478,000 |
| Noninterest income | 470,000 | 414,000 | 867,000 | 2,317,000 |
| Noninterest expense | 3,650,000 | 7,271,000 | 10,884,000 | 14,799,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,025,000 | 2,400,000 |
| Pretax income | 30,000 | -519,000 | -186,000 | 277,000 |
| Income tax | -129,000 | -537,000 | -547,000 | -758,000 |
| Net income | 159,000 | 18,000 | 361,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,491,000 | 40,468,000 | 40,930,000 | 41,121,000 |
| Total capital | 43,598,000 | 43,574,000 | 43,920,000 | 44,109,000 |
| Risk-weighted assets | 246,971,000 | 249,073,000 | 237,549,000 | 237,733,000 |