Call reports 2006
CITIZENS BANK & TRUST COMPANY — 2006
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 282,991,000 | 288,241,000 | 287,687,000 | 286,081,000 |
| Total loans | 186,319,000 | 184,997,000 | 189,948,000 | 194,471,000 |
| Allowance for loan losses | 2,483,000 | 2,530,000 | 2,479,000 | 2,518,000 |
| Securities available for sale | 29,978,000 | 28,638,000 | 28,698,000 | 25,901,000 |
| Securities held to maturity | 42,108,000 | 43,950,000 | 48,000,000 | 46,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,992,000 | 251,048,000 | 250,391,000 | 249,310,000 |
| Interest-bearing deposits | 208,434,000 | 211,756,000 | 210,964,000 | 213,100,000 |
| Noninterest-bearing deposits | 37,558,000 | 39,292,000 | 39,427,000 | 36,210,000 |
| Equity capital | 29,515,000 | 30,625,000 | 30,366,000 | 29,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,355,000 | 8,905,000 | 13,719,000 | 18,712,000 |
| Interest expense | 1,408,000 | 2,976,000 | 4,783,000 | 6,654,000 |
| Net interest income | 2,947,000 | 5,929,000 | 8,936,000 | 12,058,000 |
| Noninterest income | 678,000 | 1,312,000 | 1,990,000 | 2,548,000 |
| Noninterest expense | 1,717,000 | 3,459,000 | 5,204,000 | 6,971,000 |
| Provision for loan losses | 144,000 | 225,000 | 286,000 | 367,000 |
| Pretax income | 1,764,000 | 3,557,000 | 5,436,000 | 7,268,000 |
| Income tax | 587,000 | 1,184,000 | 1,808,000 | 2,417,000 |
| Net income | 1,177,000 | 2,373,000 | 3,628,000 | 4,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,247,000 | 30,444,000 | 29,999,000 | 29,522,000 |
| Total capital | 31,539,000 | 32,743,000 | 32,359,000 | 31,918,000 |
| Risk-weighted assets | 183,133,000 | 183,681,000 | 188,659,000 | 191,637,000 |