Call reports 2007
CITIZENS BANK & TRUST — 2007
What CITIZENS BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,347,000 | 191,134,000 | 202,723,000 | 209,854,000 |
| Total loans | 105,860,000 | 117,823,000 | 126,341,000 | 140,195,000 |
| Allowance for loan losses | 1,549,000 | 1,594,000 | 1,422,000 | 1,424,000 |
| Securities available for sale | 23,187,000 | 39,500,000 | 54,089,000 | 46,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 71,000 |
| Total deposits | 162,782,000 | 173,101,000 | 183,409,000 | 190,571,000 |
| Interest-bearing deposits | 153,400,000 | 161,893,000 | 161,362,000 | 167,560,000 |
| Noninterest-bearing deposits | 9,382,000 | 11,208,000 | 22,047,000 | 23,011,000 |
| Equity capital | 11,623,000 | 15,235,000 | 15,990,000 | 16,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,962,000 | 6,144,000 | 9,625,000 | 13,184,000 |
| Interest expense | 1,521,000 | 3,190,000 | 5,085,000 | 6,997,000 |
| Net interest income | 1,441,000 | 2,954,000 | 4,540,000 | 6,187,000 |
| Noninterest income | 344,000 | 765,000 | 1,227,000 | 1,686,000 |
| Noninterest expense | 1,181,000 | 2,481,000 | 3,892,000 | 5,273,000 |
| Provision for loan losses | 125,000 | 200,000 | 275,000 | 380,000 |
| Pretax income | 479,000 | 1,038,000 | 1,592,000 | 2,175,000 |
| Income tax | 168,000 | 309,000 | 449,000 | 583,000 |
| Net income | 311,000 | 729,000 | 1,143,000 | 1,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,695,000 | 15,865,000 | 16,282,000 | 16,453,000 |
| Total capital | 13,244,000 | 17,459,000 | 17,704,000 | 17,877,000 |
| Risk-weighted assets | 123,947,000 | 138,690,000 | 146,228,000 | 157,408,000 |