Call reports 2011
CITIZENS BANK & TRUST COMPANY — 2011
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 363,782,000 | 357,136,000 | 361,189,000 | 368,670,000 |
| Total loans | 234,837,000 | 227,650,000 | 226,219,000 | 227,877,000 |
| Allowance for loan losses | 3,912,000 | 4,061,000 | 4,026,000 | 4,413,000 |
| Securities available for sale | 69,465,000 | 70,982,000 | 68,521,000 | 65,574,000 |
| Securities held to maturity | 35,829,000 | 35,543,000 | 41,325,000 | 41,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,344,000 | 315,766,000 | 317,426,000 | 322,905,000 |
| Interest-bearing deposits | 274,701,000 | 272,075,000 | 273,126,000 | 280,537,000 |
| Noninterest-bearing deposits | 45,643,000 | 43,691,000 | 44,300,000 | 42,368,000 |
| Equity capital | 37,112,000 | 36,995,000 | 38,282,000 | 37,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,320,000 | 8,678,000 | 13,058,000 | 17,293,000 |
| Interest expense | 753,000 | 1,417,000 | 2,027,000 | 2,583,000 |
| Net interest income | 3,567,000 | 7,261,000 | 11,031,000 | 14,710,000 |
| Noninterest income | 618,000 | 1,290,000 | 1,902,000 | 2,412,000 |
| Noninterest expense | 2,066,000 | 4,185,000 | 6,339,000 | 8,337,000 |
| Provision for loan losses | 300,000 | 700,000 | 1,050,000 | 1,800,000 |
| Pretax income | 1,819,000 | 3,690,000 | 5,568,000 | 7,009,000 |
| Income tax | 580,000 | 1,162,000 | 1,734,000 | 1,956,000 |
| Net income | 1,239,000 | 2,528,000 | 3,834,000 | 5,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,119,000 | 35,707,000 | 37,013,000 | 36,531,000 |
| Total capital | 39,117,000 | 38,606,000 | 39,914,000 | 38,646,000 |
| Risk-weighted assets | 238,998,000 | 230,746,000 | 230,957,000 | 230,694,000 |