Call reports 2010
CITIZENS BANK & TRUST COMPANY — 2010
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 360,285,000 | 362,941,000 | 361,672,000 | 369,056,000 |
| Total loans | 225,529,000 | 232,316,000 | 228,287,000 | 236,845,000 |
| Allowance for loan losses | 3,504,000 | 3,600,000 | 3,769,000 | 3,725,000 |
| Securities available for sale | 55,406,000 | 61,054,000 | 69,854,000 | 69,909,000 |
| Securities held to maturity | 37,007,000 | 35,986,000 | 35,788,000 | 36,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,686,000 | 316,462,000 | 313,308,000 | 323,851,000 |
| Interest-bearing deposits | 274,054,000 | 274,147,000 | 269,470,000 | 282,395,000 |
| Noninterest-bearing deposits | 40,632,000 | 42,315,000 | 43,838,000 | 41,456,000 |
| Equity capital | 35,307,000 | 35,055,000 | 36,653,000 | 35,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,391,000 | 8,765,000 | 13,290,000 | 17,785,000 |
| Interest expense | 1,012,000 | 1,999,000 | 2,917,000 | 3,740,000 |
| Net interest income | 3,379,000 | 6,766,000 | 10,373,000 | 14,045,000 |
| Noninterest income | 662,000 | 1,364,000 | 2,058,000 | 2,316,000 |
| Noninterest expense | 1,941,000 | 4,071,000 | 6,076,000 | 7,949,000 |
| Provision for loan losses | 300,000 | 600,000 | 950,000 | 1,600,000 |
| Pretax income | 1,800,000 | 3,521,000 | 5,467,000 | 6,874,000 |
| Income tax | 602,000 | 1,151,000 | 1,788,000 | 2,151,000 |
| Net income | 1,198,000 | 2,370,000 | 3,679,000 | 4,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,354,000 | 34,026,000 | 35,335,000 | 34,879,000 |
| Total capital | 37,211,000 | 36,970,000 | 38,255,000 | 37,880,000 |
| Risk-weighted assets | 227,945,000 | 234,077,000 | 232,734,000 | 239,487,000 |