Call reports 2007
CITIZENS BANK AND TRUST COMPANY — 2007
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,440,000 | 110,304,000 | 110,639,000 | 108,138,000 |
| Total loans | 68,860,000 | 70,364,000 | 68,373,000 | 65,293,000 |
| Allowance for loan losses | 893,000 | 863,000 | 731,000 | 651,000 |
| Securities available for sale | 2,922,000 | 2,907,000 | 2,907,000 | 2,909,000 |
| Securities held to maturity | 30,206,000 | 24,104,000 | 23,954,000 | 26,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,828,000 | 85,522,000 | 85,178,000 | 84,681,000 |
| Interest-bearing deposits | 70,871,000 | 71,513,000 | 69,986,000 | 67,689,000 |
| Noninterest-bearing deposits | 16,957,000 | 14,009,000 | 15,192,000 | 16,992,000 |
| Equity capital | 13,254,000 | 13,084,000 | 12,998,000 | 12,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,893,000 | 3,765,000 | 5,654,000 | 7,450,000 |
| Interest expense | 773,000 | 1,576,000 | 2,411,000 | 3,204,000 |
| Net interest income | 1,120,000 | 2,189,000 | 3,243,000 | 4,246,000 |
| Noninterest income | 312,000 | 635,000 | 946,000 | 1,173,000 |
| Noninterest expense | 949,000 | 1,974,000 | 3,024,000 | 3,988,000 |
| Provision for loan losses | 62,000 | 452,000 | 730,000 | 1,513,000 |
| Pretax income | 421,000 | 398,000 | 435,000 | -82,000 |
| Income tax | 0 | -54,000 | -54,000 | -54,000 |
| Net income | 421,000 | 452,000 | 489,000 | -28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,254,000 | 13,084,000 | 12,998,000 | 12,485,000 |
| Total capital | 14,147,000 | 13,947,000 | 13,729,000 | 13,136,000 |
| Risk-weighted assets | 87,093,000 | 90,484,000 | 87,738,000 | 84,864,000 |