Call reports 2010
CITIZENS BANK & TRUST COMPANY — 2010
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 186,750,000 | 170,201,000 | 177,310,000 | 173,787,000 |
| Total loans | 91,192,000 | 94,020,000 | 97,322,000 | 97,978,000 |
| Allowance for loan losses | 1,731,000 | 1,659,000 | 1,645,000 | 1,678,000 |
| Securities available for sale | 71,759,000 | 70,344,000 | 71,738,000 | 67,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,255,000 | 136,514,000 | 137,690,000 | 136,806,000 |
| Interest-bearing deposits | 124,056,000 | 117,617,000 | 118,549,000 | 118,387,000 |
| Noninterest-bearing deposits | 20,199,000 | 18,897,000 | 19,141,000 | 18,419,000 |
| Equity capital | 26,574,000 | 27,185,000 | 27,889,000 | 25,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,286,000 | 4,506,000 | 6,704,000 | 8,772,000 |
| Interest expense | 694,000 | 1,348,000 | 1,930,000 | 2,443,000 |
| Net interest income | 1,592,000 | 3,158,000 | 4,774,000 | 6,329,000 |
| Noninterest income | 283,000 | 595,000 | 922,000 | 1,278,000 |
| Noninterest expense | 1,207,000 | 2,433,000 | 3,666,000 | 4,887,000 |
| Provision for loan losses | 0 | 40,000 | 80,000 | 120,000 |
| Pretax income | 652,000 | 1,265,000 | 1,953,000 | 2,540,000 |
| Income tax | 111,000 | 261,000 | 381,000 | 500,000 |
| Net income | 541,000 | 1,004,000 | 1,572,000 | 2,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,019,000 | 26,083,000 | 26,651,000 | 26,125,000 |
| Total capital | 27,269,000 | 27,333,000 | 27,877,000 | 27,347,000 |
| Risk-weighted assets | 99,312,000 | 98,808,000 | 100,385,000 | 99,448,000 |
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