Call reports 2009
CITIZENS TRI-COUNTY BANK — 2009
What CITIZENS TRI-COUNTY BANK 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 | 501,782,000 | 503,475,000 | 489,135,000 | 498,846,000 |
| Total loans | 323,811,000 | 327,978,000 | 329,412,000 | 329,119,000 |
| Allowance for loan losses | 4,548,000 | 4,827,000 | 6,422,000 | 6,462,000 |
| Securities available for sale | 107,124,000 | 105,369,000 | 100,354,000 | 96,664,000 |
| Securities held to maturity | 724,000 | 726,000 | 725,000 | 724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,722,000 | 453,267,000 | 435,248,000 | 445,263,000 |
| Interest-bearing deposits | 391,058,000 | 389,855,000 | 378,286,000 | 383,836,000 |
| Noninterest-bearing deposits | 60,664,000 | 63,412,000 | 56,962,000 | 61,427,000 |
| Equity capital | 45,183,000 | 44,852,000 | 48,842,000 | 49,477,000 |
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 | 7,353,000 | 14,847,000 | 22,293,000 | 29,391,000 |
| Interest expense | 2,538,000 | 4,887,000 | 7,140,000 | 9,168,000 |
| Net interest income | 4,815,000 | 9,960,000 | 15,153,000 | 20,223,000 |
| Noninterest income | 1,579,000 | 3,201,000 | 4,865,000 | 6,463,000 |
| Noninterest expense | 4,071,000 | 8,771,000 | 12,804,000 | 16,370,000 |
| Provision for loan losses | 1,035,000 | 1,693,000 | 3,989,000 | 5,372,000 |
| Pretax income | 1,288,000 | 2,697,000 | 3,483,000 | 5,203,000 |
| Income tax | 85,000 | 164,000 | 157,000 | 272,000 |
| Net income | 1,203,000 | 2,533,000 | 3,326,000 | 4,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,968,000 | 38,146,000 | 40,354,000 | 42,024,000 |
| Total capital | 42,397,000 | 42,587,000 | 44,743,000 | 46,517,000 |
| Risk-weighted assets | 354,177,000 | 354,884,000 | 349,105,000 | 357,439,000 |