Call reports 2006
CITIZENS BANK & TRUST COMPANY — 2006
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 103,922,000 | 101,105,000 | 102,386,000 | 101,550,000 |
| Total loans | 46,688,000 | 48,102,000 | 49,798,000 | 52,122,000 |
| Allowance for loan losses | 564,000 | 581,000 | 592,000 | 566,000 |
| Securities available for sale | 24,864,000 | 24,019,000 | 23,554,000 | 22,113,000 |
| Securities held to maturity | 19,195,000 | 17,713,000 | 17,207,000 | 15,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,874,000 | 85,374,000 | 86,275,000 | 88,360,000 |
| Interest-bearing deposits | 74,510,000 | 71,871,000 | 73,045,000 | 74,548,000 |
| Noninterest-bearing deposits | 13,364,000 | 13,503,000 | 13,230,000 | 13,812,000 |
| Equity capital | 8,408,000 | 8,549,000 | 8,915,000 | 9,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 2,966,000 | 4,538,000 | 6,209,000 |
| Interest expense | 592,000 | 1,190,000 | 1,842,000 | 2,536,000 |
| Net interest income | 865,000 | 1,776,000 | 2,696,000 | 3,673,000 |
| Noninterest income | 301,000 | 601,000 | 917,000 | 1,234,000 |
| Noninterest expense | 927,000 | 1,875,000 | 2,831,000 | 3,815,000 |
| Provision for loan losses | 17,000 | 45,000 | 67,000 | 67,000 |
| Pretax income | 228,000 | 463,000 | 721,000 | 1,031,000 |
| Income tax | 32,000 | 65,000 | 98,000 | 152,000 |
| Net income | 196,000 | 398,000 | 623,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,602,000 | 8,804,000 | 9,029,000 | 9,285,000 |
| Total capital | 9,166,000 | 9,385,000 | 9,621,000 | 9,851,000 |
| Risk-weighted assets | 57,538,000 | 57,841,000 | 59,343,000 | 61,756,000 |