Call reports 2009
CITIZENS BANK & TRUST COMPANY — 2009
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,124,000 | 54,192,000 | 55,441,000 | 100,830,000 |
| Total loans | 28,470,000 | 32,787,000 | 36,753,000 | 67,395,000 |
| Allowance for loan losses | 472,000 | 464,000 | 478,000 | 953,000 |
| Securities available for sale | 4,619,000 | 3,453,000 | 1,985,000 | 7,260,000 |
| Securities held to maturity | 12,654,000 | 12,937,000 | 12,947,000 | 16,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,768,000 | 42,879,000 | 43,531,000 | 86,462,000 |
| Interest-bearing deposits | 35,155,000 | 38,257,000 | 39,178,000 | 73,713,000 |
| Noninterest-bearing deposits | 4,613,000 | 4,622,000 | 4,353,000 | 12,749,000 |
| Equity capital | 7,847,000 | 7,832,000 | 7,891,000 | 10,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,460,000 | 2,259,000 | 4,554,000 |
| Interest expense | 222,000 | 445,000 | 661,000 | 1,284,000 |
| Net interest income | 490,000 | 1,015,000 | 1,598,000 | 3,270,000 |
| Noninterest income | 28,000 | 59,000 | 97,000 | 255,000 |
| Noninterest expense | 293,000 | 623,000 | 977,000 | 2,199,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 225,000 | 451,000 | 719,000 | 1,308,000 |
| Income tax | 27,000 | 53,000 | 90,000 | 212,000 |
| Net income | 198,000 | 398,000 | 629,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,831,000 | 7,831,000 | 7,862,000 | 9,837,000 |
| Total capital | 8,281,000 | 8,295,000 | 8,340,000 | 10,789,000 |
| Risk-weighted assets | 36,007,000 | 39,958,000 | 44,209,000 | 77,031,000 |