Call reports 2011
CITIZENS BANK AND TRUST COMPANY — 2011
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 221,359,000 | 220,338,000 | 214,582,000 | 221,953,000 |
| Total loans | 145,437,000 | 142,725,000 | 144,079,000 | 149,086,000 |
| Allowance for loan losses | 3,017,000 | 2,754,000 | 2,692,000 | 2,685,000 |
| Securities available for sale | 1,867,000 | 1,803,000 | 3,768,000 | 5,514,000 |
| Securities held to maturity | 12,841,000 | 15,049,000 | 15,431,000 | 18,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,441,000 | 189,996,000 | 186,390,000 | 192,756,000 |
| Interest-bearing deposits | 145,273,000 | 142,790,000 | 136,872,000 | 141,595,000 |
| Noninterest-bearing deposits | 48,168,000 | 47,206,000 | 49,518,000 | 51,161,000 |
| Equity capital | 22,844,000 | 23,199,000 | 23,295,000 | 23,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,428,000 | 4,864,000 | 7,332,000 | 9,753,000 |
| Interest expense | 324,000 | 626,000 | 925,000 | 1,204,000 |
| Net interest income | 2,104,000 | 4,238,000 | 6,407,000 | 8,549,000 |
| Noninterest income | 396,000 | 796,000 | 1,156,000 | 1,498,000 |
| Noninterest expense | 1,702,000 | 3,498,000 | 5,406,000 | 7,164,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 660,000 |
| Pretax income | 618,000 | 1,176,000 | 1,617,000 | 2,223,000 |
| Income tax | 266,000 | 475,000 | 618,000 | 670,000 |
| Net income | 352,000 | 701,000 | 999,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,855,000 | 23,204,000 | 23,297,000 | 23,245,000 |
| Total capital | 24,844,000 | 25,170,000 | 25,247,000 | 25,273,000 |
| Risk-weighted assets | 158,070,000 | 156,255,000 | 155,279,000 | 161,572,000 |