Call reports 2012
CITIZENS BANK & TRUST COMPANY — 2012
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 370,290,000 | 366,435,000 | 367,000,000 | 365,852,000 |
| Total loans | 225,949,000 | 229,333,000 | 231,986,000 | 231,115,000 |
| Allowance for loan losses | 4,056,000 | 4,301,000 | 4,373,000 | 3,837,000 |
| Securities available for sale | 69,271,000 | 68,395,000 | 64,859,000 | 59,699,000 |
| Securities held to maturity | 43,092,000 | 44,244,000 | 45,263,000 | 46,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,334,000 | 323,443,000 | 320,876,000 | 323,300,000 |
| Interest-bearing deposits | 280,455,000 | 272,846,000 | 269,730,000 | 277,892,000 |
| Noninterest-bearing deposits | 46,879,000 | 50,597,000 | 51,146,000 | 45,408,000 |
| Equity capital | 38,900,000 | 38,301,000 | 39,623,000 | 39,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,132,000 | 8,229,000 | 12,214,000 | 16,037,000 |
| Interest expense | 511,000 | 977,000 | 1,415,000 | 1,799,000 |
| Net interest income | 3,621,000 | 7,252,000 | 10,799,000 | 14,238,000 |
| Noninterest income | 521,000 | 1,131,000 | 1,703,000 | 2,428,000 |
| Noninterest expense | 2,074,000 | 4,171,000 | 6,138,000 | 8,293,000 |
| Provision for loan losses | 300,000 | 1,300,000 | 1,600,000 | 2,125,000 |
| Pretax income | 1,768,000 | 2,912,000 | 4,764,000 | 6,248,000 |
| Income tax | 517,000 | 780,000 | 1,320,000 | 1,703,000 |
| Net income | 1,251,000 | 2,132,000 | 3,444,000 | 4,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,783,000 | 37,164,000 | 38,476,000 | 38,077,000 |
| Total capital | 40,683,000 | 40,103,000 | 41,456,000 | 41,063,000 |
| Risk-weighted assets | 230,853,000 | 233,752,000 | 236,982,000 | 238,016,000 |