Call reports 2009
CITIZENS BANK AND TRUST COMPANY — 2009
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 123,849,000 | 117,365,000 | 118,257,000 | 114,458,000 |
| Total loans | 74,652,000 | 79,001,000 | 80,629,000 | 75,966,000 |
| Allowance for loan losses | 872,000 | 942,000 | 979,000 | 968,000 |
| Securities available for sale | 2,153,000 | 2,138,000 | 2,180,000 | 2,207,000 |
| Securities held to maturity | 34,279,000 | 23,214,000 | 21,901,000 | 21,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,937,000 | 84,126,000 | 84,612,000 | 92,337,000 |
| Interest-bearing deposits | 73,222,000 | 69,829,000 | 69,059,000 | 71,060,000 |
| Noninterest-bearing deposits | 16,715,000 | 14,297,000 | 15,553,000 | 21,277,000 |
| Equity capital | 11,887,000 | 11,989,000 | 12,157,000 | 12,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,976,000 | 4,498,000 | 5,925,000 |
| Interest expense | 486,000 | 904,000 | 1,281,000 | 1,623,000 |
| Net interest income | 967,000 | 2,072,000 | 3,217,000 | 4,302,000 |
| Noninterest income | 268,000 | 493,000 | 765,000 | 1,064,000 |
| Noninterest expense | 969,000 | 1,919,000 | 2,937,000 | 3,899,000 |
| Provision for loan losses | 32,000 | 105,000 | 189,000 | 291,000 |
| Pretax income | 234,000 | 541,000 | 856,000 | 1,176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 541,000 | 856,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,887,000 | 11,989,000 | 12,157,000 | 12,158,000 |
| Total capital | 12,759,000 | 12,931,000 | 13,136,000 | 13,126,000 |
| Risk-weighted assets | 114,728,000 | 116,689,000 | 116,827,000 | 112,202,000 |
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