Call reports 2006
CITIZENS BANK AND TRUST COMPANY — 2006
What CITIZENS BANK AND 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 | 146,787,000 | 148,962,000 | 148,430,000 | 151,609,000 |
| Total loans | 105,013,000 | 113,208,000 | 115,283,000 | 117,593,000 |
| Allowance for loan losses | 1,457,000 | 1,535,000 | 1,736,000 | 1,625,000 |
| Securities available for sale | 1,494,000 | 1,457,000 | 425,000 | 400,000 |
| Securities held to maturity | 8,396,000 | 8,319,000 | 9,318,000 | 9,319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,493,000 | 129,310,000 | 128,461,000 | 131,182,000 |
| Interest-bearing deposits | 91,702,000 | 92,405,000 | 89,938,000 | 93,526,000 |
| Noninterest-bearing deposits | 35,791,000 | 36,905,000 | 38,523,000 | 37,656,000 |
| Equity capital | 16,658,000 | 17,133,000 | 17,348,000 | 17,934,000 |
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 | 2,191,000 | 4,554,000 | 6,991,000 | 9,427,000 |
| Interest expense | 534,000 | 1,138,000 | 1,779,000 | 2,408,000 |
| Net interest income | 1,657,000 | 3,416,000 | 5,212,000 | 7,019,000 |
| Noninterest income | 519,000 | 1,022,000 | 1,504,000 | 2,120,000 |
| Noninterest expense | 1,490,000 | 2,971,000 | 4,495,000 | 6,202,000 |
| Provision for loan losses | 30,000 | 110,000 | 260,000 | 382,000 |
| Pretax income | 656,000 | 1,357,000 | 1,961,000 | 2,555,000 |
| Income tax | 211,000 | 437,000 | 627,000 | 792,000 |
| Net income | 445,000 | 920,000 | 1,334,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,657,000 | 17,134,000 | 17,348,000 | 17,933,000 |
| Total capital | 18,011,000 | 18,575,000 | 18,794,000 | 19,409,000 |
| Risk-weighted assets | 108,221,000 | 115,181,000 | 115,401,000 | 117,839,000 |