Call reports 2006
CITIZENS BANK & TRUST COMPANY — 2006
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,197,000 | 49,487,000 | 50,668,000 | 50,160,000 |
| Total loans | 27,771,000 | 28,829,000 | 30,056,000 | 27,106,000 |
| Allowance for loan losses | 486,000 | 480,000 | 488,000 | 448,000 |
| Securities available for sale | 7,273,000 | 7,802,000 | 7,884,000 | 7,905,000 |
| Securities held to maturity | 10,030,000 | 9,734,000 | 9,665,000 | 9,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,367,000 | 39,269,000 | 40,199,000 | 39,882,000 |
| Interest-bearing deposits | 34,796,000 | 35,155,000 | 35,743,000 | 35,217,000 |
| Noninterest-bearing deposits | 4,571,000 | 4,114,000 | 4,456,000 | 4,665,000 |
| Equity capital | 7,554,000 | 7,462,000 | 7,560,000 | 7,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,567,000 | 2,393,000 | 3,227,000 |
| Interest expense | 274,000 | 576,000 | 901,000 | 1,238,000 |
| Net interest income | 495,000 | 991,000 | 1,492,000 | 1,989,000 |
| Noninterest income | 32,000 | 68,000 | 107,000 | 150,000 |
| Noninterest expense | 299,000 | 602,000 | 894,000 | 1,260,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 228,000 | 457,000 | 705,000 | 879,000 |
| Income tax | 36,000 | 74,000 | 123,000 | 143,000 |
| Net income | 192,000 | 383,000 | 582,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,640,000 | 7,652,000 | 7,650,000 | 7,474,000 |
| Total capital | 8,067,000 | 8,082,000 | 8,099,000 | 7,897,000 |
| Risk-weighted assets | 34,138,000 | 34,349,000 | 35,848,000 | 33,186,000 |