Call reports 2010
CITIZENS BANK & TRUST COMPANY — 2010
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 102,025,000 | 102,679,000 | 111,013,000 | 108,188,000 |
| Total loans | 66,206,000 | 73,452,000 | 79,082,000 | 73,431,000 |
| Allowance for loan losses | 939,000 | 980,000 | 986,000 | 921,000 |
| Securities available for sale | 5,682,000 | 4,990,000 | 4,051,000 | 2,973,000 |
| Securities held to maturity | 17,480,000 | 18,908,000 | 19,761,000 | 20,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,956,000 | 86,458,000 | 95,178,000 | 93,335,000 |
| Interest-bearing deposits | 74,346,000 | 75,426,000 | 80,692,000 | 80,260,000 |
| Noninterest-bearing deposits | 12,610,000 | 11,032,000 | 14,486,000 | 13,075,000 |
| Equity capital | 10,350,000 | 10,584,000 | 10,566,000 | 10,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,868,000 | 4,448,000 | 5,971,000 |
| Interest expense | 346,000 | 696,000 | 1,049,000 | 1,390,000 |
| Net interest income | 1,033,000 | 2,172,000 | 3,399,000 | 4,581,000 |
| Noninterest income | 71,000 | 151,000 | 236,000 | 322,000 |
| Noninterest expense | 701,000 | 1,381,000 | 2,086,000 | 2,909,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 403,000 | 942,000 | 1,549,000 | 1,894,000 |
| Income tax | 68,000 | 175,000 | 308,000 | 346,000 |
| Net income | 335,000 | 767,000 | 1,241,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,178,000 | 10,415,000 | 10,395,000 | 10,209,000 |
| Total capital | 11,117,000 | 11,395,000 | 11,381,000 | 11,130,000 |
| Risk-weighted assets | 76,993,000 | 84,110,000 | 90,873,000 | 84,974,000 |