Call reports 2009
CITIZENS BANK & TRUST — 2009
What CITIZENS BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 252,962,000 | 263,201,000 | 279,510,000 | 283,199,000 |
| Total loans | 197,017,000 | 207,113,000 | 211,468,000 | 211,633,000 |
| Allowance for loan losses | 2,041,000 | 2,247,000 | 3,106,000 | 2,896,000 |
| Securities available for sale | 37,111,000 | 36,291,000 | 36,821,000 | 42,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 152,000 | 179,000 | 257,000 | 284,000 |
| Total deposits | 215,750,000 | 225,176,000 | 242,608,000 | 245,860,000 |
| Interest-bearing deposits | 188,443,000 | 196,517,000 | 212,138,000 | 216,217,000 |
| Noninterest-bearing deposits | 27,307,000 | 28,660,000 | 30,470,000 | 29,643,000 |
| Equity capital | 19,949,000 | 19,302,000 | 25,131,000 | 24,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,493,000 | 7,134,000 | 10,861,000 | 14,547,000 |
| Interest expense | 1,395,000 | 2,707,000 | 4,051,000 | 5,344,000 |
| Net interest income | 2,098,000 | 4,427,000 | 6,810,000 | 9,203,000 |
| Noninterest income | 483,000 | 477,000 | 975,000 | 1,474,000 |
| Noninterest expense | 1,766,000 | 3,743,000 | 5,594,000 | 7,381,000 |
| Provision for loan losses | 825,000 | 1,200,000 | 2,325,000 | 2,325,000 |
| Pretax income | 6,000 | -531,000 | -626,000 | 479,000 |
| Income tax | -65,000 | -142,000 | -258,000 | 23,000 |
| Net income | 71,000 | -389,000 | -368,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,326,000 | 20,871,000 | 24,897,000 | 25,597,000 |
| Total capital | 23,367,000 | 23,118,000 | 27,706,000 | 28,457,000 |
| Risk-weighted assets | 207,742,000 | 217,636,000 | 223,627,000 | 227,980,000 |