Call reports 2009
CITIZENS BANK AND TRUST COMPANY — 2009
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 189,222,000 | 190,886,000 | 190,986,000 | 200,306,000 |
| Total loans | 149,971,000 | 154,089,000 | 151,720,000 | 149,694,000 |
| Allowance for loan losses | 2,698,000 | 2,903,000 | 3,100,000 | 2,855,000 |
| Securities available for sale | 5,043,000 | 3,582,000 | 2,161,000 | 1,838,000 |
| Securities held to maturity | 9,579,000 | 11,149,000 | 7,936,000 | 7,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,739,000 | 163,956,000 | 163,601,000 | 173,172,000 |
| Interest-bearing deposits | 123,031,000 | 127,575,000 | 124,351,000 | 134,243,000 |
| Noninterest-bearing deposits | 39,708,000 | 36,381,000 | 39,250,000 | 38,929,000 |
| Equity capital | 19,598,000 | 19,961,000 | 20,206,000 | 21,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,646,000 | 5,318,000 | 8,003,000 | 10,583,000 |
| Interest expense | 485,000 | 945,000 | 1,392,000 | 1,783,000 |
| Net interest income | 2,161,000 | 4,373,000 | 6,611,000 | 8,800,000 |
| Noninterest income | 358,000 | 732,000 | 1,131,000 | 1,678,000 |
| Noninterest expense | 1,619,000 | 3,395,000 | 5,078,000 | 6,903,000 |
| Provision for loan losses | 160,000 | 364,000 | 552,000 | 732,000 |
| Pretax income | 740,000 | 1,346,000 | 2,115,000 | 2,846,000 |
| Income tax | 274,000 | 511,000 | 807,000 | 945,000 |
| Net income | 466,000 | 835,000 | 1,308,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,560,000 | 19,928,000 | 20,192,000 | 21,341,000 |
| Total capital | 21,468,000 | 21,872,000 | 22,129,000 | 23,274,000 |
| Risk-weighted assets | 152,249,000 | 154,586,000 | 153,795,000 | 153,723,000 |
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