Call reports 2009
CITIZENS BANK & TRUST COMPANY — 2009
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 122,761,000 | 127,797,000 | 136,004,000 | 145,900,000 |
| Total loans | 68,418,000 | 70,131,000 | 73,738,000 | 76,293,000 |
| Allowance for loan losses | 603,000 | 625,000 | 619,000 | 634,000 |
| Securities available for sale | 20,233,000 | 19,777,000 | 24,561,000 | 33,652,000 |
| Securities held to maturity | 18,387,000 | 19,260,000 | 20,624,000 | 19,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,979,000 | 115,606,000 | 123,120,000 | 132,951,000 |
| Interest-bearing deposits | 88,035,000 | 92,992,000 | 99,210,000 | 108,688,000 |
| Noninterest-bearing deposits | 22,943,000 | 22,614,000 | 23,910,000 | 24,263,000 |
| Equity capital | 10,662,000 | 10,899,000 | 11,255,000 | 11,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,567,000 | 3,169,000 | 4,835,000 | 6,552,000 |
| Interest expense | 466,000 | 901,000 | 1,326,000 | 1,760,000 |
| Net interest income | 1,101,000 | 2,268,000 | 3,509,000 | 4,792,000 |
| Noninterest income | 369,000 | 743,000 | 1,158,000 | 1,591,000 |
| Noninterest expense | 1,206,000 | 2,454,000 | 3,737,000 | 5,062,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 145,000 |
| Pretax income | 234,000 | 497,000 | 840,000 | 1,176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 497,000 | 840,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,248,000 | 10,452,000 | 10,728,000 | 10,971,000 |
| Total capital | 10,851,000 | 11,077,000 | 11,347,000 | 11,605,000 |
| Risk-weighted assets | 78,025,000 | 80,805,000 | 86,387,000 | 89,735,000 |