Call reports 2006
CITIZENS BANK AND TRUST COMPANY — 2006
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,015,651,000 | 990,879,000 | 983,609,000 | 953,107,000 |
| Total loans | 678,533,000 | 676,162,000 | 681,737,000 | 659,597,000 |
| Allowance for loan losses | 8,443,000 | 8,399,000 | 8,512,000 | 8,557,000 |
| Securities available for sale | 257,509,000 | 237,809,000 | 228,345,000 | 220,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 814,112,000 | 771,684,000 | 776,481,000 | 743,608,000 |
| Interest-bearing deposits | 752,023,000 | 707,191,000 | 711,442,000 | 670,812,000 |
| Noninterest-bearing deposits | 62,089,000 | 64,493,000 | 65,039,000 | 72,796,000 |
| Equity capital | 72,006,000 | 70,821,000 | 73,337,000 | 73,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 13,865,000 | 28,118,000 | 42,326,000 | 56,725,000 |
| Interest expense | 7,921,000 | 16,255,000 | 24,710,000 | 33,315,000 |
| Net interest income | 5,944,000 | 11,863,000 | 17,616,000 | 23,410,000 |
| Noninterest income | 1,907,000 | 4,256,000 | 6,244,000 | 9,561,000 |
| Noninterest expense | 5,795,000 | 11,652,000 | 18,437,000 | 25,500,000 |
| Provision for loan losses | 131,000 | 288,000 | 482,000 | 642,000 |
| Pretax income | 1,925,000 | 3,877,000 | 4,639,000 | 6,527,000 |
| Income tax | 504,000 | 869,000 | 860,000 | 1,271,000 |
| Net income | 1,421,000 | 3,008,000 | 3,779,000 | 5,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,722,000 | 70,586,000 | 70,926,000 | 70,213,000 |
| Total capital | 79,198,000 | 78,985,000 | 79,641,000 | 78,979,000 |
| Risk-weighted assets | 733,433,000 | 727,447,000 | 741,209,000 | 721,054,000 |