Call reports 2008
CITIZENS BANK AND TRUST COMPANY — 2008
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 159,452,000 | 167,317,000 | 195,660,000 | 193,399,000 |
| Total loans | 130,422,000 | 138,173,000 | 140,032,000 | 145,846,000 |
| Allowance for loan losses | 2,167,000 | 2,294,000 | 2,421,000 | 2,531,000 |
| Securities available for sale | 299,000 | 282,000 | 3,401,000 | 5,311,000 |
| Securities held to maturity | 9,648,000 | 7,581,000 | 10,673,000 | 12,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,361,000 | 142,618,000 | 170,620,000 | 167,558,000 |
| Interest-bearing deposits | 98,722,000 | 103,953,000 | 115,163,000 | 125,771,000 |
| Noninterest-bearing deposits | 37,639,000 | 38,665,000 | 55,457,000 | 41,787,000 |
| Equity capital | 19,126,000 | 19,577,000 | 19,798,000 | 19,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,585,000 | 5,149,000 | 7,827,000 | 10,566,000 |
| Interest expense | 566,000 | 1,153,000 | 1,821,000 | 2,426,000 |
| Net interest income | 2,019,000 | 3,996,000 | 6,006,000 | 8,140,000 |
| Noninterest income | 419,000 | 848,000 | 1,276,000 | 1,870,000 |
| Noninterest expense | 1,622,000 | 3,170,000 | 4,804,000 | 6,447,000 |
| Provision for loan losses | 120,000 | 240,000 | 345,000 | 615,000 |
| Pretax income | 696,000 | 1,434,000 | 2,133,000 | 2,948,000 |
| Income tax | 260,000 | 545,000 | 816,000 | 998,000 |
| Net income | 436,000 | 889,000 | 1,317,000 | 1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,466,000 | 19,576,000 | 19,797,000 | 19,315,000 |
| Total capital | 21,138,000 | 21,341,000 | 21,643,000 | 21,204,000 |
| Risk-weighted assets | 133,414,000 | 140,698,000 | 147,123,000 | 151,103,000 |
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