Call reports 2006
CITIZENS BANK & TRUST COMPANY — 2006
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 142,813,000 | 139,420,000 | 139,512,000 | 142,399,000 |
| Total loans | 71,283,000 | 73,687,000 | 73,553,000 | 78,635,000 |
| Allowance for loan losses | 1,725,000 | 1,468,000 | 1,665,000 | 1,663,000 |
| Securities available for sale | 60,786,000 | 59,064,000 | 58,824,000 | 59,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,370,000 | 109,002,000 | 108,294,000 | 111,018,000 |
| Interest-bearing deposits | 90,447,000 | 88,975,000 | 87,734,000 | 88,799,000 |
| Noninterest-bearing deposits | 21,923,000 | 20,027,000 | 20,560,000 | 22,219,000 |
| Equity capital | 19,166,000 | 18,858,000 | 19,718,000 | 19,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,037,000 | 6,196,000 | 8,471,000 |
| Interest expense | 726,000 | 1,518,000 | 2,404,000 | 3,334,000 |
| Net interest income | 1,284,000 | 2,519,000 | 3,792,000 | 5,137,000 |
| Noninterest income | 256,000 | 539,000 | 830,000 | 1,136,000 |
| Noninterest expense | 1,044,000 | 2,060,000 | 3,052,000 | 4,087,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 475,000 | 947,000 | 1,493,000 | 2,102,000 |
| Income tax | 33,000 | 91,000 | 183,000 | 308,000 |
| Net income | 442,000 | 856,000 | 1,310,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,629,000 | 17,793,000 | 17,997,000 | 18,280,000 |
| Total capital | 18,611,000 | 18,784,000 | 18,980,000 | 19,293,000 |
| Risk-weighted assets | 78,892,000 | 79,865,000 | 79,122,000 | 81,197,000 |
Machine access — free, no API key
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