Call reports 2010
CITIZENS BANK AND TRUST COMPANY — 2010
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 207,178,000 | 205,124,000 | 207,133,000 | 218,811,000 |
| Total loans | 148,007,000 | 147,430,000 | 149,932,000 | 147,110,000 |
| Allowance for loan losses | 2,963,000 | 3,184,000 | 3,041,000 | 2,851,000 |
| Securities available for sale | 1,477,000 | 443,000 | 2,330,000 | 1,966,000 |
| Securities held to maturity | 7,080,000 | 6,798,000 | 7,548,000 | 9,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,548,000 | 178,157,000 | 179,953,000 | 191,209,000 |
| Interest-bearing deposits | 141,194,000 | 137,496,000 | 134,363,000 | 146,269,000 |
| Noninterest-bearing deposits | 38,354,000 | 40,661,000 | 45,590,000 | 44,940,000 |
| Equity capital | 21,482,000 | 21,913,000 | 22,134,000 | 22,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,512,000 | 5,018,000 | 7,570,000 | 10,036,000 |
| Interest expense | 416,000 | 856,000 | 1,247,000 | 1,606,000 |
| Net interest income | 2,096,000 | 4,162,000 | 6,323,000 | 8,430,000 |
| Noninterest income | 378,000 | 810,000 | 1,192,000 | 1,757,000 |
| Noninterest expense | 1,710,000 | 3,320,000 | 4,968,000 | 6,675,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 870,000 |
| Pretax income | 584,000 | 1,292,000 | 2,007,000 | 2,642,000 |
| Income tax | 230,000 | 504,000 | 783,000 | 837,000 |
| Net income | 354,000 | 788,000 | 1,224,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,474,000 | 21,913,000 | 22,144,000 | 22,708,000 |
| Total capital | 23,413,000 | 23,854,000 | 24,095,000 | 24,671,000 |
| Risk-weighted assets | 154,091,000 | 153,493,000 | 154,970,000 | 156,141,000 |
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