Call reports 2012
CITIZENS BANK & TRUST COMPANY — 2012
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 118,132,000 | 121,419,000 | 125,274,000 | 132,089,000 |
| Total loans | 75,918,000 | 84,721,000 | 91,985,000 | 95,359,000 |
| Allowance for loan losses | 932,000 | 975,000 | 975,000 | 947,000 |
| Securities available for sale | 2,021,000 | 1,872,000 | 1,714,000 | 1,022,000 |
| Securities held to maturity | 24,033,000 | 24,098,000 | 24,822,000 | 25,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,107,000 | 103,391,000 | 107,168,000 | 112,762,000 |
| Interest-bearing deposits | 84,782,000 | 87,628,000 | 89,112,000 | 89,479,000 |
| Noninterest-bearing deposits | 15,325,000 | 15,763,000 | 18,056,000 | 23,283,000 |
| Equity capital | 11,951,000 | 12,214,000 | 12,387,000 | 12,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 3,020,000 | 4,650,000 | 6,283,000 |
| Interest expense | 229,000 | 462,000 | 712,000 | 936,000 |
| Net interest income | 1,265,000 | 2,558,000 | 3,938,000 | 5,347,000 |
| Noninterest income | 73,000 | 151,000 | 237,000 | 329,000 |
| Noninterest expense | 730,000 | 1,473,000 | 2,244,000 | 3,147,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 175,000 |
| Pretax income | 608,000 | 1,186,000 | 1,776,000 | 2,324,000 |
| Income tax | 119,000 | 227,000 | 339,000 | 435,000 |
| Net income | 489,000 | 959,000 | 1,437,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,855,000 | 12,130,000 | 12,315,000 | 12,172,000 |
| Total capital | 12,787,000 | 13,105,000 | 13,290,000 | 13,119,000 |
| Risk-weighted assets | 90,988,000 | 97,057,000 | 104,374,000 | 108,401,000 |