Call reports 2011
CITIZENS BANK & TRUST — 2011
What CITIZENS BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 287,786,000 | 294,614,000 | 286,921,000 | 286,806,000 |
| Total loans | 198,410,000 | 197,452,000 | 195,759,000 | 195,216,000 |
| Allowance for loan losses | 2,520,000 | 2,736,000 | 2,698,000 | 2,479,000 |
| Securities available for sale | 56,892,000 | 66,253,000 | 64,288,000 | 60,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,834,000 | 248,163,000 | 242,503,000 | 241,088,000 |
| Interest-bearing deposits | 209,959,000 | 209,309,000 | 205,910,000 | 202,666,000 |
| Noninterest-bearing deposits | 37,875,000 | 38,854,000 | 36,593,000 | 38,423,000 |
| Equity capital | 26,343,000 | 27,766,000 | 28,629,000 | 29,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,574,000 | 7,172,000 | 10,822,000 | 14,425,000 |
| Interest expense | 835,000 | 1,621,000 | 2,339,000 | 2,984,000 |
| Net interest income | 2,739,000 | 5,551,000 | 8,483,000 | 11,441,000 |
| Noninterest income | 505,000 | 1,054,000 | 1,617,000 | 2,238,000 |
| Noninterest expense | 2,178,000 | 4,424,000 | 6,747,000 | 8,856,000 |
| Provision for loan losses | 640,000 | 1,065,000 | 1,330,000 | 1,765,000 |
| Pretax income | 327,000 | 1,024,000 | 1,931,000 | 2,986,000 |
| Income tax | 42,000 | 213,000 | 462,000 | 668,000 |
| Net income | 285,000 | 811,000 | 1,469,000 | 2,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,389,000 | 27,921,000 | 28,336,000 | 28,660,000 |
| Total capital | 29,909,000 | 30,657,000 | 31,034,000 | 31,139,000 |
| Risk-weighted assets | 224,585,000 | 225,019,000 | 223,888,000 | 224,227,000 |