Call reports 2012
CITIZENS BANK & TRUST — 2012
What CITIZENS BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 296,855,000 | 295,435,000 | 296,070,000 | 301,201,000 |
| Total loans | 193,473,000 | 194,876,000 | 199,588,000 | 206,731,000 |
| Allowance for loan losses | 2,796,000 | 2,910,000 | 2,646,000 | 2,705,000 |
| Securities available for sale | 67,296,000 | 64,407,000 | 69,644,000 | 63,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,353,000 | 247,876,000 | 248,178,000 | 252,969,000 |
| Interest-bearing deposits | 205,580,000 | 205,835,000 | 204,829,000 | 206,805,000 |
| Noninterest-bearing deposits | 45,773,000 | 42,041,000 | 43,349,000 | 46,164,000 |
| Equity capital | 29,439,000 | 30,382,000 | 30,819,000 | 31,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,519,000 | 7,041,000 | 10,555,000 | 14,067,000 |
| Interest expense | 586,000 | 1,152,000 | 1,700,000 | 2,247,000 |
| Net interest income | 2,933,000 | 5,889,000 | 8,855,000 | 11,820,000 |
| Noninterest income | 368,000 | 911,000 | 1,391,000 | 2,002,000 |
| Noninterest expense | 2,314,000 | 4,677,000 | 7,164,000 | 9,459,000 |
| Provision for loan losses | 450,000 | 650,000 | 863,000 | 1,013,000 |
| Pretax income | 537,000 | 1,473,000 | 2,212,000 | 3,401,000 |
| Income tax | 113,000 | 376,000 | 553,000 | 772,000 |
| Net income | 424,000 | 1,097,000 | 1,659,000 | 2,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,019,000 | 29,698,000 | 29,739,000 | 30,228,000 |
| Total capital | 31,815,000 | 32,562,000 | 32,385,000 | 32,933,000 |
| Risk-weighted assets | 228,328,000 | 228,295,000 | 231,546,000 | 239,713,000 |