Call reports 2009
CITIZENS BANK & TRUST COMPANY — 2009
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 330,412,000 | 334,694,000 | 331,455,000 | 344,173,000 |
| Total loans | 215,078,000 | 226,429,000 | 225,601,000 | 226,596,000 |
| Allowance for loan losses | 2,267,000 | 2,571,000 | 2,653,000 | 3,324,000 |
| Securities available for sale | 38,476,000 | 39,382,000 | 44,022,000 | 47,875,000 |
| Securities held to maturity | 46,747,000 | 41,963,000 | 40,212,000 | 36,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,526,000 | 287,700,000 | 284,317,000 | 300,151,000 |
| Interest-bearing deposits | 242,302,000 | 246,162,000 | 245,832,000 | 259,936,000 |
| Noninterest-bearing deposits | 42,224,000 | 41,538,000 | 38,485,000 | 40,215,000 |
| Equity capital | 33,928,000 | 33,398,000 | 35,001,000 | 34,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,575,000 | 9,285,000 | 13,942,000 | 18,339,000 |
| Interest expense | 1,235,000 | 2,385,000 | 3,494,000 | 4,544,000 |
| Net interest income | 3,340,000 | 6,900,000 | 10,448,000 | 13,795,000 |
| Noninterest income | 670,000 | 1,393,000 | 2,135,000 | 1,967,000 |
| Noninterest expense | 1,935,000 | 3,939,000 | 6,115,000 | 8,164,000 |
| Provision for loan losses | 300,000 | 675,000 | 975,000 | 1,725,000 |
| Pretax income | 1,775,000 | 3,679,000 | 5,493,000 | 5,665,000 |
| Income tax | 586,000 | 1,231,000 | 1,748,000 | 1,746,000 |
| Net income | 1,189,000 | 2,448,000 | 3,745,000 | 3,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,226,000 | 32,685,000 | 33,982,000 | 33,156,000 |
| Total capital | 35,493,000 | 35,256,000 | 36,635,000 | 36,010,000 |
| Risk-weighted assets | 219,682,000 | 227,171,000 | 227,190,000 | 227,849,000 |