Call reports 2007
CITIZENS BANK & TRUST COMPANY — 2007
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,183,000 | 49,792,000 | 50,880,000 | 51,416,000 |
| Total loans | 25,603,000 | 26,534,000 | 29,528,000 | 26,473,000 |
| Allowance for loan losses | 481,000 | 470,000 | 470,000 | 474,000 |
| Securities available for sale | 7,880,000 | 6,978,000 | 7,213,000 | 7,112,000 |
| Securities held to maturity | 9,658,000 | 9,732,000 | 10,144,000 | 10,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,825,000 | 39,522,000 | 38,231,000 | 41,052,000 |
| Interest-bearing deposits | 35,822,000 | 34,969,000 | 34,114,000 | 35,293,000 |
| Noninterest-bearing deposits | 5,003,000 | 4,553,000 | 4,117,000 | 5,759,000 |
| Equity capital | 7,464,000 | 7,504,000 | 7,619,000 | 7,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,695,000 | 2,548,000 | 3,393,000 |
| Interest expense | 340,000 | 699,000 | 1,049,000 | 1,399,000 |
| Net interest income | 495,000 | 996,000 | 1,499,000 | 1,994,000 |
| Noninterest income | 27,000 | 64,000 | 110,000 | 161,000 |
| Noninterest expense | 290,000 | 630,000 | 948,000 | 1,292,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 232,000 | 430,000 | 663,000 | 865,000 |
| Income tax | 44,000 | 75,000 | 118,000 | 150,000 |
| Net income | 188,000 | 355,000 | 545,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,512,000 | 7,679,000 | 7,719,000 | 7,589,000 |
| Total capital | 7,914,000 | 8,083,000 | 8,155,000 | 8,040,000 |
| Risk-weighted assets | 32,098,000 | 32,293,000 | 34,854,000 | 36,061,000 |