Call reports 2008
CITIZENS BANK AND TRUST COMPANY — 2008
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,749,000 | 113,145,000 | 117,728,000 | 110,819,000 |
| Total loans | 65,854,000 | 68,548,000 | 76,787,000 | 71,530,000 |
| Allowance for loan losses | 671,000 | 524,000 | 672,000 | 874,000 |
| Securities available for sale | 2,897,000 | 2,755,000 | 2,512,000 | 2,304,000 |
| Securities held to maturity | 35,379,000 | 25,687,000 | 24,683,000 | 23,862,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,109,000 | 85,534,000 | 82,739,000 | 89,475,000 |
| Interest-bearing deposits | 71,474,000 | 69,314,000 | 67,175,000 | 72,742,000 |
| Noninterest-bearing deposits | 16,635,000 | 16,220,000 | 15,564,000 | 16,733,000 |
| Equity capital | 12,685,000 | 12,873,000 | 12,598,000 | 11,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,779,000 | 3,451,000 | 5,122,000 | 6,652,000 |
| Interest expense | 738,000 | 1,325,000 | 1,916,000 | 2,464,000 |
| Net interest income | 1,041,000 | 2,126,000 | 3,206,000 | 4,188,000 |
| Noninterest income | 290,000 | 549,000 | 815,000 | 1,020,000 |
| Noninterest expense | 998,000 | 1,972,000 | 3,010,000 | 3,990,000 |
| Provision for loan losses | 30,000 | 70,000 | 231,000 | 578,000 |
| Pretax income | 303,000 | 633,000 | 780,000 | 640,000 |
| Income tax | 0 | 0 | -11,000 | -11,000 |
| Net income | 303,000 | 633,000 | 791,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,685,000 | 12,873,000 | 12,598,000 | 11,804,000 |
| Total capital | 13,356,000 | 13,397,000 | 13,270,000 | 12,678,000 |
| Risk-weighted assets | 86,109,000 | 86,675,000 | 93,150,000 | 87,059,000 |
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