Call reports 2010
CITIZENS BANK & TRUST COMPANY — 2010
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 157,560,000 | 154,729,000 | 153,809,000 | 154,619,000 |
| Total loans | 78,742,000 | 81,276,000 | 86,424,000 | 89,855,000 |
| Allowance for loan losses | 676,000 | 746,000 | 829,000 | 854,000 |
| Securities available for sale | 42,523,000 | 39,040,000 | 36,850,000 | 34,462,000 |
| Securities held to maturity | 19,985,000 | 18,999,000 | 16,908,000 | 15,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,133,000 | 140,176,000 | 138,544,000 | 139,531,000 |
| Interest-bearing deposits | 115,448,000 | 112,073,000 | 107,724,000 | 108,786,000 |
| Noninterest-bearing deposits | 28,685,000 | 28,103,000 | 30,820,000 | 30,746,000 |
| Equity capital | 11,938,000 | 12,938,000 | 13,567,000 | 13,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,547,000 | 5,356,000 | 7,165,000 |
| Interest expense | 393,000 | 715,000 | 1,017,000 | 1,305,000 |
| Net interest income | 1,341,000 | 2,832,000 | 4,339,000 | 5,860,000 |
| Noninterest income | 372,000 | 774,000 | 1,193,000 | 1,622,000 |
| Noninterest expense | 1,321,000 | 2,711,000 | 4,110,000 | 5,640,000 |
| Provision for loan losses | 45,000 | 120,000 | 210,000 | 240,000 |
| Pretax income | 347,000 | 775,000 | 1,212,000 | 1,602,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 347,000 | 775,000 | 1,212,000 | 1,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,649,000 | 11,988,000 | 12,308,000 | 12,577,000 |
| Total capital | 12,325,000 | 12,734,000 | 13,137,000 | 13,431,000 |
| Risk-weighted assets | 94,857,000 | 95,740,000 | 100,529,000 | 103,339,000 |