Call reports 2012
CITIZENS BANK AND TRUST COMPANY — 2012
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 127,453,000 | 124,286,000 | 123,347,000 | 141,099,000 |
| Total loans | 65,851,000 | 73,839,000 | 74,354,000 | 71,689,000 |
| Allowance for loan losses | 621,000 | 662,000 | 700,000 | 760,000 |
| Securities available for sale | 2,225,000 | 2,225,000 | 2,222,000 | 0 |
| Securities held to maturity | 44,000,000 | 32,110,000 | 31,327,000 | 29,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,719,000 | 97,858,000 | 93,332,000 | 117,457,000 |
| Interest-bearing deposits | 80,480,000 | 74,208,000 | 69,690,000 | 91,538,000 |
| Noninterest-bearing deposits | 28,239,000 | 23,650,000 | 23,642,000 | 25,919,000 |
| Equity capital | 12,472,000 | 12,450,000 | 12,546,000 | 11,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,160,000 | 2,365,000 | 3,646,000 | 4,848,000 |
| Interest expense | 168,000 | 323,000 | 474,000 | 618,000 |
| Net interest income | 992,000 | 2,042,000 | 3,172,000 | 4,230,000 |
| Noninterest income | 229,000 | 436,000 | 648,000 | 312,000 |
| Noninterest expense | 1,040,000 | 2,085,000 | 3,162,000 | 4,261,000 |
| Provision for loan losses | 26,000 | 92,000 | 258,000 | 400,000 |
| Pretax income | 149,000 | 227,000 | 326,000 | -865,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 227,000 | 326,000 | -865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,326,000 | 12,307,000 | 12,409,000 | 11,710,000 |
| Total capital | 12,947,000 | 12,969,000 | 13,109,000 | 12,470,000 |
| Risk-weighted assets | 105,957,000 | 107,763,000 | 111,002,000 | 108,136,000 |