Call reports 2007
CITIZENS BANK & TRUST COMPANY — 2007
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,401,000 | 147,736,000 | 147,926,000 | 151,458,000 |
| Total loans | 78,840,000 | 79,792,000 | 80,010,000 | 80,956,000 |
| Allowance for loan losses | 2,038,000 | 2,075,000 | 1,802,000 | 1,715,000 |
| Securities available for sale | 57,476,000 | 58,886,000 | 57,295,000 | 57,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,448,000 | 116,016,000 | 115,073,000 | 117,346,000 |
| Interest-bearing deposits | 91,720,000 | 94,042,000 | 93,373,000 | 93,920,000 |
| Noninterest-bearing deposits | 23,728,000 | 21,974,000 | 21,700,000 | 23,426,000 |
| Equity capital | 20,328,000 | 19,998,000 | 21,148,000 | 22,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,392,000 | 4,802,000 | 7,186,000 | 9,045,000 |
| Interest expense | 959,000 | 1,956,000 | 2,979,000 | 4,012,000 |
| Net interest income | 1,433,000 | 2,846,000 | 4,207,000 | 5,033,000 |
| Noninterest income | 290,000 | 605,000 | 897,000 | 1,221,000 |
| Noninterest expense | 1,042,000 | 2,116,000 | 3,149,000 | 3,888,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 651,000 | 1,280,000 | 1,870,000 | 2,254,000 |
| Income tax | 137,000 | 261,000 | 330,000 | 350,000 |
| Net income | 514,000 | 1,019,000 | 1,540,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,794,000 | 19,050,000 | 19,571,000 | 21,434,000 |
| Total capital | 19,831,000 | 20,094,000 | 20,643,000 | 22,522,000 |
| Risk-weighted assets | 83,469,000 | 83,500,000 | 85,125,000 | 88,920,000 |
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