Call reports 2006
CITIZENS BANK & TRUST — 2006
What CITIZENS BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 122,198,000 | 131,047,000 | 142,133,000 | 169,122,000 |
| Total loans | 87,202,000 | 92,203,000 | 99,487,000 | 105,682,000 |
| Allowance for loan losses | 1,046,000 | 1,067,000 | 1,201,000 | 1,315,000 |
| Securities available for sale | 14,566,000 | 17,895,000 | 21,020,000 | 19,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,112,000 | 119,536,000 | 129,824,000 | 156,217,000 |
| Interest-bearing deposits | 92,410,000 | 108,609,000 | 123,579,000 | 147,644,000 |
| Noninterest-bearing deposits | 18,702,000 | 10,927,000 | 6,244,000 | 8,573,000 |
| Equity capital | 9,691,000 | 9,957,000 | 10,615,000 | 11,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,941,000 | 4,138,000 | 6,602,000 | 9,426,000 |
| Interest expense | 771,000 | 1,693,000 | 2,796,000 | 4,153,000 |
| Net interest income | 1,170,000 | 2,445,000 | 3,806,000 | 5,273,000 |
| Noninterest income | 192,000 | 429,000 | 691,000 | 969,000 |
| Noninterest expense | 968,000 | 1,976,000 | 2,967,000 | 3,985,000 |
| Provision for loan losses | 120,000 | 240,000 | 390,000 | 540,000 |
| Pretax income | 274,000 | 658,000 | 1,140,000 | 1,579,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 274,000 | 658,000 | 1,140,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,156,000 | 10,539,000 | 10,992,000 | 11,382,000 |
| Total capital | 11,202,000 | 11,607,000 | 12,193,000 | 11,852,000 |
| Risk-weighted assets | 99,479,000 | 104,415,000 | 111,967,000 | 120,386,000 |