Call reports 2007
CITIZENS BANK AND TRUST COMPANY — 2007
What CITIZENS BANK AND 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 | 156,140,000 | 164,242,000 | 167,555,000 | 159,417,000 |
| Total loans | 119,374,000 | 117,455,000 | 118,573,000 | 126,721,000 |
| Allowance for loan losses | 1,745,000 | 1,872,000 | 2,007,000 | 2,098,000 |
| Securities available for sale | 3,309,000 | 3,324,000 | 3,315,000 | 312,000 |
| Securities held to maturity | 9,128,000 | 8,962,000 | 11,967,000 | 10,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,205,000 | 142,555,000 | 145,375,000 | 136,912,000 |
| Interest-bearing deposits | 98,962,000 | 103,591,000 | 104,457,000 | 96,648,000 |
| Noninterest-bearing deposits | 36,244,000 | 38,964,000 | 40,918,000 | 40,264,000 |
| Equity capital | 18,213,000 | 18,658,000 | 18,952,000 | 19,061,000 |
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 | 2,500,000 | 5,147,000 | 7,891,000 | 10,594,000 |
| Interest expense | 676,000 | 1,468,000 | 2,273,000 | 2,982,000 |
| Net interest income | 1,824,000 | 3,679,000 | 5,618,000 | 7,612,000 |
| Noninterest income | 468,000 | 913,000 | 1,350,000 | 1,958,000 |
| Noninterest expense | 1,489,000 | 2,974,000 | 4,490,000 | 6,197,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 683,000 | 1,378,000 | 2,118,000 | 2,893,000 |
| Income tax | 207,000 | 455,000 | 698,000 | 1,019,000 |
| Net income | 476,000 | 923,000 | 1,420,000 | 1,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,210,000 | 18,656,000 | 18,948,000 | 19,402,000 |
| Total capital | 19,742,000 | 20,183,000 | 20,511,000 | 21,023,000 |
| Risk-weighted assets | 122,336,000 | 121,711,000 | 124,600,000 | 129,446,000 |