Call reports 2011
CITIZENS BANK AND TRUST COMPANY — 2011
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 989,395,000 | 972,844,000 | 955,924,000 | 866,995,000 |
| Total loans | 492,134,000 | 485,834,000 | 484,778,000 | 465,033,000 |
| Allowance for loan losses | 15,059,000 | 15,811,000 | 16,350,000 | 8,844,000 |
| Securities available for sale | 372,814,000 | 335,980,000 | 321,705,000 | 285,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 850,452,000 | 828,899,000 | 815,760,000 | 709,502,000 |
| Interest-bearing deposits | 752,970,000 | 729,099,000 | 715,446,000 | 615,941,000 |
| Noninterest-bearing deposits | 97,482,000 | 99,800,000 | 100,314,000 | 93,561,000 |
| Equity capital | 89,631,000 | 92,533,000 | 91,531,000 | 88,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,962,000 | 17,676,000 | 25,489,000 | 33,089,000 |
| Interest expense | 2,669,000 | 5,212,000 | 7,731,000 | 10,141,000 |
| Net interest income | 6,293,000 | 12,464,000 | 17,758,000 | 22,948,000 |
| Noninterest income | 2,452,000 | 4,689,000 | 6,917,000 | 8,498,000 |
| Noninterest expense | 8,552,000 | 16,865,000 | 25,310,000 | 33,522,000 |
| Provision for loan losses | 58,000 | 899,000 | 3,879,000 | 4,220,000 |
| Pretax income | 1,588,000 | 2,115,000 | -355,000 | -1,592,000 |
| Income tax | 398,000 | 452,000 | 0 | 0 |
| Net income | 1,190,000 | 1,663,000 | -355,000 | -1,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,473,000 | 77,824,000 | 75,789,000 | 74,545,000 |
| Total capital | 84,179,000 | 85,340,000 | 83,227,000 | 81,716,000 |
| Risk-weighted assets | 609,161,000 | 593,019,000 | 586,126,000 | 571,992,000 |