Call reports 2011
CITIZENS BANK & TRUST COMPANY — 2011
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 177,500,000 | 175,170,000 | 173,117,000 | 179,031,000 |
| Total loans | 96,042,000 | 98,334,000 | 100,139,000 | 101,405,000 |
| Allowance for loan losses | 1,621,000 | 1,665,000 | 1,698,000 | 1,725,000 |
| Securities available for sale | 65,809,000 | 71,012,000 | 58,763,000 | 64,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,154,000 | 137,237,000 | 134,344,000 | 140,060,000 |
| Interest-bearing deposits | 121,197,000 | 118,169,000 | 112,314,000 | 118,990,000 |
| Noninterest-bearing deposits | 19,957,000 | 19,068,000 | 22,030,000 | 21,070,000 |
| Equity capital | 25,209,000 | 26,637,000 | 27,182,000 | 27,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,076,000 | 4,196,000 | 6,286,000 | 8,201,000 |
| Interest expense | 451,000 | 860,000 | 1,227,000 | 1,534,000 |
| Net interest income | 1,625,000 | 3,336,000 | 5,059,000 | 6,667,000 |
| Noninterest income | 273,000 | 571,000 | 852,000 | 1,246,000 |
| Noninterest expense | 1,218,000 | 2,429,000 | 3,668,000 | 4,902,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 617,000 | 1,367,000 | 2,131,000 | 2,833,000 |
| Income tax | 125,000 | 300,000 | 505,000 | 675,000 |
| Net income | 492,000 | 1,067,000 | 1,626,000 | 2,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,317,000 | 25,892,000 | 26,151,000 | 26,677,000 |
| Total capital | 26,597,000 | 27,151,000 | 27,393,000 | 27,935,000 |
| Risk-weighted assets | 102,166,000 | 99,913,000 | 102,784,000 | 102,153,000 |
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