Call reports 2012
CITIZENS BANK AND TRUST, INC. — 2012
What CITIZENS BANK AND TRUST, INC. 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 | 91,876,000 | 89,974,000 | 90,441,000 | 90,426,000 |
| Total loans | 60,303,000 | 61,233,000 | 61,161,000 | 59,735,000 |
| Allowance for loan losses | 955,000 | 1,005,000 | 942,000 | 958,000 |
| Securities available for sale | 12,622,000 | 13,026,000 | 11,951,000 | 12,025,000 |
| Securities held to maturity | 4,264,000 | 4,143,000 | 4,958,000 | 5,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,852,000 | 79,042,000 | 79,379,000 | 79,482,000 |
| Interest-bearing deposits | 71,439,000 | 70,340,000 | 70,789,000 | 70,743,000 |
| Noninterest-bearing deposits | 9,413,000 | 8,702,000 | 8,590,000 | 8,739,000 |
| Equity capital | 9,404,000 | 9,469,000 | 9,660,000 | 9,582,000 |
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 | 1,189,000 | 2,353,000 | 3,497,000 | 4,632,000 |
| Interest expense | 185,000 | 353,000 | 513,000 | 662,000 |
| Net interest income | 1,004,000 | 2,000,000 | 2,984,000 | 3,970,000 |
| Noninterest income | 176,000 | 267,000 | 480,000 | 704,000 |
| Noninterest expense | 825,000 | 1,699,000 | 2,510,000 | 3,306,000 |
| Provision for loan losses | 63,000 | 126,000 | 309,000 | 372,000 |
| Pretax income | 301,000 | 459,000 | 663,000 | 1,014,000 |
| Income tax | 105,000 | 210,000 | 235,000 | 308,000 |
| Net income | 196,000 | 249,000 | 428,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,231,000 | 9,284,000 | 9,464,000 | 9,391,000 |
| Total capital | 10,043,000 | 10,073,000 | 10,269,000 | 10,169,000 |
| Risk-weighted assets | 65,039,000 | 62,937,000 | 64,262,000 | 62,023,000 |