Call reports 2010
CITIZENS BANK & TRUST — 2010
What CITIZENS BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 295,130,000 | 300,498,000 | 291,207,000 | 288,641,000 |
| Total loans | 203,265,000 | 206,752,000 | 206,480,000 | 200,080,000 |
| Allowance for loan losses | 3,063,000 | 2,807,000 | 3,049,000 | 2,835,000 |
| Securities available for sale | 46,958,000 | 47,486,000 | 42,407,000 | 57,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 319,000 | 0 | 0 | 0 |
| Total deposits | 256,242,000 | 261,121,000 | 250,780,000 | 248,716,000 |
| Interest-bearing deposits | 223,007,000 | 227,275,000 | 217,559,000 | 214,607,000 |
| Noninterest-bearing deposits | 33,235,000 | 33,846,000 | 33,221,000 | 34,109,000 |
| Equity capital | 25,343,000 | 25,734,000 | 26,401,000 | 25,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,656,000 | 7,455,000 | 11,038,000 | 14,668,000 |
| Interest expense | 1,237,000 | 2,414,000 | 3,517,000 | 4,474,000 |
| Net interest income | 2,419,000 | 5,041,000 | 7,521,000 | 10,194,000 |
| Noninterest income | 622,000 | 1,163,000 | 1,677,000 | 2,202,000 |
| Noninterest expense | 1,955,000 | 4,086,000 | 6,134,000 | 8,218,000 |
| Provision for loan losses | 500,000 | 975,000 | 1,650,000 | 1,875,000 |
| Pretax income | 586,000 | 1,191,000 | 1,374,000 | 2,300,000 |
| Income tax | 137,000 | 280,000 | 268,000 | 493,000 |
| Net income | 449,000 | 911,000 | 1,106,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,052,000 | 26,519,000 | 26,720,000 | 27,099,000 |
| Total capital | 28,876,000 | 29,326,000 | 29,589,000 | 29,904,000 |
| Risk-weighted assets | 224,920,000 | 228,695,000 | 228,554,000 | 223,647,000 |