Call reports 2008
CITIZENS BANK & TRUST COMPANY — 2008
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,991,000 | 155,604,000 | 156,348,000 | 157,118,000 |
| Total loans | 83,507,000 | 84,339,000 | 87,298,000 | 88,914,000 |
| Allowance for loan losses | 1,801,000 | 1,840,000 | 1,824,000 | 1,940,000 |
| Securities available for sale | 59,649,000 | 64,379,000 | 61,205,000 | 60,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,913,000 | 120,774,000 | 115,489,000 | 115,187,000 |
| Interest-bearing deposits | 99,917,000 | 99,899,000 | 95,931,000 | 95,977,000 |
| Noninterest-bearing deposits | 18,996,000 | 20,875,000 | 19,558,000 | 19,210,000 |
| Equity capital | 23,792,000 | 23,207,000 | 24,177,000 | 24,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,497,000 | 5,022,000 | 7,419,000 | 10,107,000 |
| Interest expense | 993,000 | 1,891,000 | 2,755,000 | 3,596,000 |
| Net interest income | 1,504,000 | 3,131,000 | 4,664,000 | 6,511,000 |
| Noninterest income | 301,000 | 619,000 | 937,000 | 1,235,000 |
| Noninterest expense | 1,102,000 | 2,344,000 | 3,300,000 | 4,495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 706,000 | 1,415,000 | 2,250,000 | 3,200,000 |
| Income tax | 136,000 | 278,000 | 457,000 | 689,000 |
| Net income | 570,000 | 1,137,000 | 1,793,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,004,000 | 22,517,000 | 23,236,000 | 23,813,000 |
| Total capital | 23,106,000 | 23,609,000 | 24,350,000 | 24,951,000 |
| Risk-weighted assets | 88,984,000 | 91,467,000 | 96,515,000 | 94,661,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK & TRUST COMPANY — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.