Call reports 2006
CITIZENS BANK AND TRUST COMPANY — 2006
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 104,738,000 | 115,649,000 | 117,887,000 | 109,949,000 |
| Total loans | 65,798,000 | 74,439,000 | 76,274,000 | 69,420,000 |
| Allowance for loan losses | 827,000 | 847,000 | 839,000 | 871,000 |
| Securities available for sale | 2,919,000 | 2,961,000 | 2,919,000 | 2,922,000 |
| Securities held to maturity | 26,464,000 | 26,887,000 | 25,330,000 | 25,666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,420,000 | 86,324,000 | 88,783,000 | 88,557,000 |
| Interest-bearing deposits | 63,667,000 | 71,530,000 | 73,268,000 | 71,492,000 |
| Noninterest-bearing deposits | 18,753,000 | 14,794,000 | 15,515,000 | 17,065,000 |
| Equity capital | 13,145,000 | 13,079,000 | 13,355,000 | 12,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,600,000 | 3,360,000 | 5,286,000 | 7,246,000 |
| Interest expense | 567,000 | 1,279,000 | 2,128,000 | 2,946,000 |
| Net interest income | 1,033,000 | 2,081,000 | 3,158,000 | 4,300,000 |
| Noninterest income | 294,000 | 629,000 | 976,000 | 1,290,000 |
| Noninterest expense | 940,000 | 1,874,000 | 2,839,000 | 3,877,000 |
| Provision for loan losses | 62,000 | 123,000 | 185,000 | 304,000 |
| Pretax income | 325,000 | 713,000 | 1,110,000 | 1,409,000 |
| Income tax | 9,000 | 74,000 | 74,000 | 74,000 |
| Net income | 316,000 | 639,000 | 1,036,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,145,000 | 13,079,000 | 13,355,000 | 12,833,000 |
| Total capital | 13,972,000 | 13,926,000 | 14,194,000 | 13,704,000 |
| Risk-weighted assets | 74,706,000 | 84,384,000 | 85,834,000 | 80,266,000 |
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