Call reports 2007
CITIZENS BANK & TRUST COMPANY — 2007
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 291,207,000 | 287,459,000 | 295,245,000 | 302,721,000 |
| Total loans | 197,349,000 | 199,716,000 | 200,793,000 | 203,086,000 |
| Allowance for loan losses | 2,512,000 | 2,560,000 | 2,621,000 | 1,916,000 |
| Securities available for sale | 29,808,000 | 29,952,000 | 30,129,000 | 32,333,000 |
| Securities held to maturity | 42,758,000 | 40,507,000 | 41,971,000 | 42,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,547,000 | 246,528,000 | 253,563,000 | 263,536,000 |
| Interest-bearing deposits | 211,770,000 | 210,525,000 | 217,273,000 | 230,936,000 |
| Noninterest-bearing deposits | 37,777,000 | 36,003,000 | 36,290,000 | 32,600,000 |
| Equity capital | 31,156,000 | 30,586,000 | 31,984,000 | 31,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,017,000 | 10,233,000 | 15,328,000 | 20,417,000 |
| Interest expense | 1,996,000 | 4,029,000 | 6,125,000 | 8,205,000 |
| Net interest income | 3,021,000 | 6,204,000 | 9,203,000 | 12,212,000 |
| Noninterest income | 648,000 | 1,340,000 | 2,024,000 | 2,736,000 |
| Noninterest expense | 1,784,000 | 3,604,000 | 5,358,000 | 7,131,000 |
| Provision for loan losses | 81,000 | 162,000 | 243,000 | 774,000 |
| Pretax income | 1,804,000 | 3,778,000 | 5,626,000 | 7,043,000 |
| Income tax | 601,000 | 1,270,000 | 1,877,000 | 2,325,000 |
| Net income | 1,203,000 | 2,508,000 | 3,749,000 | 4,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,725,000 | 30,329,000 | 31,571,000 | 30,840,000 |
| Total capital | 33,160,000 | 32,785,000 | 34,067,000 | 32,756,000 |
| Risk-weighted assets | 194,611,000 | 195,606,000 | 199,526,000 | 203,472,000 |