Call reports 2007
CITIZENS BANK & TRUST COMPANY — 2007
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,528,000 | 103,948,000 | 101,888,000 | 100,851,000 |
| Total loans | 54,493,000 | 54,918,000 | 55,904,000 | 61,283,000 |
| Allowance for loan losses | 562,000 | 558,000 | 547,000 | 524,000 |
| Securities available for sale | 21,520,000 | 20,387,000 | 19,687,000 | 16,401,000 |
| Securities held to maturity | 15,243,000 | 15,318,000 | 13,857,000 | 11,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,041,000 | 91,296,000 | 89,683,000 | 88,665,000 |
| Interest-bearing deposits | 75,015,000 | 75,353,000 | 73,844,000 | 72,875,000 |
| Noninterest-bearing deposits | 15,026,000 | 15,943,000 | 15,839,000 | 15,790,000 |
| Equity capital | 9,475,000 | 9,674,000 | 10,027,000 | 9,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,267,000 | 4,945,000 | 6,613,000 |
| Interest expense | 674,000 | 1,373,000 | 2,067,000 | 2,753,000 |
| Net interest income | 955,000 | 1,894,000 | 2,878,000 | 3,860,000 |
| Noninterest income | 332,000 | 715,000 | 1,077,000 | 1,436,000 |
| Noninterest expense | 972,000 | 1,981,000 | 3,047,000 | 4,167,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 315,000 | 628,000 | 908,000 | 1,144,000 |
| Income tax | 46,000 | 94,000 | 134,000 | 266,000 |
| Net income | 269,000 | 534,000 | 774,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,554,000 | 9,818,000 | 10,059,000 | 9,664,000 |
| Total capital | 10,116,000 | 10,376,000 | 10,606,000 | 10,188,000 |
| Risk-weighted assets | 64,224,000 | 64,987,000 | 64,065,000 | 67,645,000 |