Call reports 2011
CITIZENS BANK & TRUST COMPANY — 2011
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 |
|---|---|---|---|
| Total assets | 161,344,000 | 172,241,000 | 173,652,000 |
| Total loans | 90,765,000 | 92,391,000 | 89,810,000 |
| Allowance for loan losses | 861,000 | 850,000 | 837,000 |
| Securities available for sale | 34,963,000 | 30,527,000 | 28,654,000 |
| Securities held to maturity | 14,933,000 | 14,059,000 | 13,561,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 146,443,000 | 149,389,000 | 149,901,000 |
| Interest-bearing deposits | 113,462,000 | 117,204,000 | 115,978,000 |
| Noninterest-bearing deposits | 32,981,000 | 32,185,000 | 33,923,000 |
| Equity capital | 13,300,000 | 21,047,000 | 21,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 |
|---|---|---|---|
| Interest income | 1,778,000 | 1,774,000 | 3,528,000 |
| Interest expense | 289,000 | 283,000 | 559,000 |
| Net interest income | 1,489,000 | 1,491,000 | 2,969,000 |
| Noninterest income | 386,000 | 443,000 | 926,000 |
| Noninterest expense | 1,445,000 | 1,646,000 | 3,044,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 |
| Pretax income | 415,000 | 612,000 | 1,175,000 |
| Income tax | 0 | 84,000 | 210,000 |
| Net income | 415,000 | 528,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 |
|---|---|---|---|
| Tier 1 capital | 12,559,000 | 13,087,000 | 13,524,000 |
| Total capital | 13,420,000 | 13,952,000 | 14,361,000 |
| Risk-weighted assets | 105,679,000 | 108,698,000 | 107,347,000 |