Call reports 2009
CITIZENS BANK AND TRUST COMPANY — 2009
What CITIZENS BANK AND TRUST COMPANY 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 | 1,259,688,000 | 1,124,188,000 | 1,088,481,000 | 1,088,612,000 |
| Total loans | 715,739,000 | 696,284,000 | 651,276,000 | 633,631,000 |
| Allowance for loan losses | 11,283,000 | 10,135,000 | 14,933,000 | 21,671,000 |
| Securities available for sale | 398,384,000 | 296,596,000 | 320,710,000 | 343,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,021,217,000 | 953,063,000 | 917,567,000 | 936,316,000 |
| Interest-bearing deposits | 929,528,000 | 849,118,000 | 817,059,000 | 838,024,000 |
| Noninterest-bearing deposits | 91,689,000 | 103,945,000 | 100,508,000 | 98,292,000 |
| Equity capital | 90,628,000 | 91,227,000 | 96,430,000 | 86,181,000 |
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 | 15,027,000 | 28,724,000 | 41,117,000 | 52,790,000 |
| Interest expense | 7,349,000 | 13,347,000 | 18,050,000 | 22,240,000 |
| Net interest income | 7,678,000 | 15,377,000 | 23,067,000 | 30,550,000 |
| Noninterest income | 2,261,000 | 5,240,000 | 8,747,000 | 11,342,000 |
| Noninterest expense | 8,246,000 | 18,797,000 | 29,614,000 | 44,111,000 |
| Provision for loan losses | 704,000 | 4,030,000 | 11,404,000 | 21,011,000 |
| Pretax income | 2,285,000 | 898,000 | -4,476,000 | -18,634,000 |
| Income tax | 656,000 | -117,000 | -2,631,000 | -5,524,000 |
| Net income | 1,629,000 | 1,015,000 | -1,845,000 | -13,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,679,000 | 81,188,000 | 87,419,000 | 75,439,000 |
| Total capital | 91,260,000 | 91,169,000 | 97,048,000 | 84,784,000 |
| Risk-weighted assets | 845,761,000 | 798,331,000 | 764,802,000 | 736,207,000 |