Call reports 2011
CITIZENS BANK & TRUST COMPANY — 2011
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 114,027,000 | 114,049,000 | 114,455,000 | 115,364,000 |
| Total loans | 68,893,000 | 71,212,000 | 79,253,000 | 81,442,000 |
| Allowance for loan losses | 924,000 | 904,000 | 968,000 | 939,000 |
| Securities available for sale | 2,710,000 | 2,699,000 | 2,553,000 | 2,024,000 |
| Securities held to maturity | 21,967,000 | 22,775,000 | 23,185,000 | 23,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,299,000 | 98,025,000 | 97,766,000 | 98,207,000 |
| Interest-bearing deposits | 84,841,000 | 85,626,000 | 85,466,000 | 84,180,000 |
| Noninterest-bearing deposits | 13,458,000 | 12,399,000 | 12,300,000 | 14,027,000 |
| Equity capital | 10,788,000 | 10,861,000 | 11,387,000 | 11,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,418,000 | 2,890,000 | 4,469,000 | 6,042,000 |
| Interest expense | 294,000 | 570,000 | 830,000 | 1,066,000 |
| Net interest income | 1,124,000 | 2,320,000 | 3,639,000 | 4,976,000 |
| Noninterest income | 72,000 | 152,000 | 265,000 | 344,000 |
| Noninterest expense | 661,000 | 1,347,000 | 2,099,000 | 3,015,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 535,000 | 1,125,000 | 1,805,000 | 2,255,000 |
| Income tax | 101,000 | 216,000 | 361,000 | 427,000 |
| Net income | 434,000 | 909,000 | 1,444,000 | 1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,649,000 | 10,729,000 | 11,270,000 | 11,360,000 |
| Total capital | 11,573,000 | 11,633,000 | 12,238,000 | 12,299,000 |
| Risk-weighted assets | 82,703,000 | 84,554,000 | 89,725,000 | 91,713,000 |