Call reports 2010
CITIZENS BANK AND TRUST COMPANY — 2010
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,107,536,000 | 1,068,881,000 | 1,039,030,000 | 996,019,000 |
| Total loans | 616,975,000 | 594,675,000 | 558,833,000 | 511,229,000 |
| Allowance for loan losses | 22,667,000 | 22,253,000 | 21,810,000 | 18,148,000 |
| Securities available for sale | 337,718,000 | 351,419,000 | 388,885,000 | 371,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 945,539,000 | 914,115,000 | 873,659,000 | 853,202,000 |
| Interest-bearing deposits | 861,003,000 | 828,546,000 | 794,075,000 | 765,236,000 |
| Noninterest-bearing deposits | 84,536,000 | 85,569,000 | 79,584,000 | 87,966,000 |
| Equity capital | 96,173,000 | 97,355,000 | 95,868,000 | 88,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 10,582,000 | 20,690,000 | 30,395,000 | 39,661,000 |
| Interest expense | 4,092,000 | 7,782,000 | 11,086,000 | 13,970,000 |
| Net interest income | 6,490,000 | 12,908,000 | 19,309,000 | 25,691,000 |
| Noninterest income | 2,605,000 | 5,409,000 | 8,013,000 | 8,883,000 |
| Noninterest expense | 7,943,000 | 16,075,000 | 24,694,000 | 33,985,000 |
| Provision for loan losses | 506,000 | 4,190,000 | 7,691,000 | 12,475,000 |
| Pretax income | 3,366,000 | 844,000 | -1,020,000 | -7,843,000 |
| Income tax | 1,099,000 | 129,000 | -934,000 | -3,920,000 |
| Net income | 2,267,000 | 715,000 | -86,000 | -3,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,743,000 | 86,579,000 | 83,175,000 | 74,366,000 |
| Total capital | 95,762,000 | 95,391,000 | 91,530,000 | 82,212,000 |
| Risk-weighted assets | 707,896,000 | 691,536,000 | 654,935,000 | 617,382,000 |