Call reports 2007
CITIZENS BANK AND TRUST COMPANY — 2007
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 964,040,000 | 949,692,000 | 965,530,000 | 1,043,296,000 |
| Total loans | 647,741,000 | 662,845,000 | 659,401,000 | 670,041,000 |
| Allowance for loan losses | 8,638,000 | 8,537,000 | 7,117,000 | 6,949,000 |
| Securities available for sale | 226,804,000 | 215,280,000 | 229,066,000 | 277,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 732,958,000 | 719,698,000 | 728,515,000 | 724,798,000 |
| Interest-bearing deposits | 665,098,000 | 651,066,000 | 665,777,000 | 656,265,000 |
| Noninterest-bearing deposits | 67,860,000 | 68,632,000 | 62,738,000 | 68,533,000 |
| Equity capital | 75,096,000 | 74,781,000 | 76,761,000 | 76,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 14,421,000 | 28,595,000 | 43,628,000 | 59,499,000 |
| Interest expense | 8,343,000 | 16,726,000 | 25,257,000 | 34,209,000 |
| Net interest income | 6,078,000 | 11,869,000 | 18,371,000 | 25,290,000 |
| Noninterest income | 2,335,000 | 5,582,000 | 7,676,000 | 9,980,000 |
| Noninterest expense | 6,231,000 | 12,247,000 | 18,961,000 | 26,382,000 |
| Provision for loan losses | 82,000 | 151,000 | 355,000 | 2,220,000 |
| Pretax income | 1,736,000 | 4,689,000 | 6,367,000 | 6,301,000 |
| Income tax | 431,000 | 1,304,000 | 1,519,000 | 886,000 |
| Net income | 1,305,000 | 3,385,000 | 4,848,000 | 5,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,575,000 | 72,588,000 | 72,956,000 | 72,188,000 |
| Total capital | 80,286,000 | 81,159,000 | 80,073,000 | 79,137,000 |
| Risk-weighted assets | 722,161,000 | 743,407,000 | 759,564,000 | 756,856,000 |