Call reports 2009
CITIZENS BANK & TRUST COMPANY — 2009
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 163,459,000 | 165,839,000 | 169,426,000 | 177,928,000 |
| Total loans | 87,433,000 | 88,229,000 | 89,955,000 | 91,265,000 |
| Allowance for loan losses | 1,825,000 | 1,871,000 | 1,829,000 | 1,778,000 |
| Securities available for sale | 56,641,000 | 58,421,000 | 62,996,000 | 74,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,847,000 | 123,777,000 | 125,943,000 | 135,722,000 |
| Interest-bearing deposits | 101,795,000 | 103,992,000 | 107,120,000 | 115,220,000 |
| Noninterest-bearing deposits | 19,052,000 | 19,785,000 | 18,823,000 | 20,502,000 |
| Equity capital | 25,529,000 | 25,203,000 | 26,272,000 | 26,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,675,000 | 5,197,000 | 7,624,000 | 9,875,000 |
| Interest expense | 733,000 | 1,457,000 | 2,154,000 | 2,836,000 |
| Net interest income | 1,942,000 | 3,740,000 | 5,470,000 | 7,039,000 |
| Noninterest income | 321,000 | 650,000 | 955,000 | 1,264,000 |
| Noninterest expense | 1,317,000 | 2,753,000 | 4,049,000 | 5,245,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 200,000 |
| Pretax income | 963,000 | 1,574,000 | 2,285,000 | 2,806,000 |
| Income tax | 216,000 | 337,000 | 398,000 | 458,000 |
| Net income | 747,000 | 1,237,000 | 1,887,000 | 2,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,575,000 | 24,666,000 | 25,316,000 | 25,479,000 |
| Total capital | 25,755,000 | 25,916,000 | 26,488,000 | 26,739,000 |
| Risk-weighted assets | 94,298,000 | 99,621,000 | 96,862,000 | 99,769,000 |
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