Call reports 2012
CITIZENS BANK & TRUST COMPANY — 2012
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 179,230,000 | 174,444,000 | 174,971,000 | 175,551,000 |
| Total loans | 101,436,000 | 110,425,000 | 108,620,000 | 110,409,000 |
| Allowance for loan losses | 1,721,000 | 1,712,000 | 1,789,000 | 1,745,000 |
| Securities available for sale | 54,752,000 | 51,467,000 | 53,462,000 | 51,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,255,000 | 134,533,000 | 134,139,000 | 134,736,000 |
| Interest-bearing deposits | 117,599,000 | 112,590,000 | 112,037,000 | 112,170,000 |
| Noninterest-bearing deposits | 22,656,000 | 21,943,000 | 22,102,000 | 22,566,000 |
| Equity capital | 27,099,000 | 27,999,000 | 28,756,000 | 29,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,884,000 | 5,813,000 | 7,445,000 |
| Interest expense | 278,000 | 528,000 | 740,000 | 939,000 |
| Net interest income | 1,637,000 | 3,356,000 | 5,073,000 | 6,506,000 |
| Noninterest income | 332,000 | 661,000 | 1,017,000 | 1,397,000 |
| Noninterest expense | 1,250,000 | 2,480,000 | 3,760,000 | 4,891,000 |
| Provision for loan losses | 30,000 | 60,000 | 150,000 | 325,000 |
| Pretax income | 661,000 | 1,416,000 | 2,130,000 | 2,626,000 |
| Income tax | 100,000 | 200,000 | 300,000 | 300,000 |
| Net income | 561,000 | 1,216,000 | 1,830,000 | 2,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,538,000 | 27,193,000 | 27,807,000 | 28,105,000 |
| Total capital | 27,807,000 | 28,568,000 | 29,066,000 | 29,396,000 |
| Risk-weighted assets | 100,741,000 | 109,656,000 | 100,201,000 | 102,835,000 |
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