Call reports 2012
CITIZENS BANK AND TRUST COMPANY — 2012
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 220,636,000 | 216,572,000 | 228,504,000 | 241,022,000 |
| Total loans | 147,546,000 | 153,588,000 | 156,074,000 | 157,710,000 |
| Allowance for loan losses | 2,982,000 | 3,169,000 | 3,283,000 | 3,052,000 |
| Securities available for sale | 6,508,000 | 9,313,000 | 9,204,000 | 8,358,000 |
| Securities held to maturity | 18,894,000 | 12,872,000 | 9,953,000 | 7,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,109,000 | 186,238,000 | 197,974,000 | 210,400,000 |
| Interest-bearing deposits | 138,360,000 | 133,252,000 | 143,273,000 | 145,602,000 |
| Noninterest-bearing deposits | 52,749,000 | 52,986,000 | 54,701,000 | 64,798,000 |
| Equity capital | 23,382,000 | 23,739,000 | 23,985,000 | 24,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,400,000 | 4,748,000 | 7,174,000 | 9,562,000 |
| Interest expense | 259,000 | 495,000 | 714,000 | 923,000 |
| Net interest income | 2,141,000 | 4,253,000 | 6,460,000 | 8,639,000 |
| Noninterest income | 498,000 | 988,000 | 1,350,000 | 1,833,000 |
| Noninterest expense | 1,766,000 | 3,493,000 | 5,221,000 | 7,093,000 |
| Provision for loan losses | 285,000 | 556,000 | 736,000 | 916,000 |
| Pretax income | 588,000 | 1,192,000 | 1,853,000 | 2,463,000 |
| Income tax | 247,000 | 504,000 | 743,000 | 803,000 |
| Net income | 341,000 | 688,000 | 1,110,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,386,000 | 23,733,000 | 23,949,000 | 24,485,000 |
| Total capital | 25,402,000 | 25,797,000 | 26,046,000 | 26,649,000 |
| Risk-weighted assets | 160,331,000 | 164,051,000 | 166,759,000 | 172,382,000 |