Call reports 2010
CITIZENS BANK AND TRUST COMPANY — 2010
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 124,595,000 | 119,109,000 | 118,616,000 | 117,517,000 |
| Total loans | 73,643,000 | 81,936,000 | 79,960,000 | 73,672,000 |
| Allowance for loan losses | 1,019,000 | 985,000 | 1,164,000 | 763,000 |
| Securities available for sale | 2,210,000 | 2,226,000 | 2,255,000 | 2,252,000 |
| Securities held to maturity | 34,733,000 | 21,188,000 | 20,566,000 | 19,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,320,000 | 89,790,000 | 92,842,000 | 97,088,000 |
| Interest-bearing deposits | 76,450,000 | 72,452,000 | 74,713,000 | 77,065,000 |
| Noninterest-bearing deposits | 20,870,000 | 17,338,000 | 18,129,000 | 20,023,000 |
| Equity capital | 12,145,000 | 12,547,000 | 12,460,000 | 12,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,267,000 | 2,688,000 | 4,139,000 | 5,437,000 |
| Interest expense | 324,000 | 638,000 | 921,000 | 1,178,000 |
| Net interest income | 943,000 | 2,050,000 | 3,218,000 | 4,259,000 |
| Noninterest income | 236,000 | 643,000 | 921,000 | 1,131,000 |
| Noninterest expense | 1,016,000 | 1,920,000 | 2,911,000 | 3,937,000 |
| Provision for loan losses | 178,000 | 187,000 | 493,000 | 763,000 |
| Pretax income | -15,000 | 495,000 | 644,000 | 397,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -15,000 | 495,000 | 644,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,145,000 | 12,547,000 | 12,460,000 | 12,210,000 |
| Total capital | 13,164,000 | 13,532,000 | 13,624,000 | 12,973,000 |
| Risk-weighted assets | 114,278,000 | 118,053,000 | 116,253,000 | 111,227,000 |
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