Call reports 2012
CITIZENS BANK AND TRUST COMPANY — 2012
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 827,300,000 | 863,004,000 | 839,328,000 | 825,735,000 |
| Total loans | 478,167,000 | 497,752,000 | 500,848,000 | 497,606,000 |
| Allowance for loan losses | 9,334,000 | 9,279,000 | 9,754,000 | 9,906,000 |
| Securities available for sale | 240,605,000 | 260,613,000 | 234,103,000 | 210,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 677,877,000 | 642,279,000 | 627,833,000 | 627,733,000 |
| Interest-bearing deposits | 576,724,000 | 544,356,000 | 534,372,000 | 528,062,000 |
| Noninterest-bearing deposits | 101,153,000 | 97,923,000 | 93,461,000 | 99,671,000 |
| Equity capital | 89,357,000 | 89,857,000 | 91,380,000 | 92,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,058,000 | 14,244,000 | 21,496,000 | 28,850,000 |
| Interest expense | 1,623,000 | 2,698,000 | 3,737,000 | 4,708,000 |
| Net interest income | 5,435,000 | 11,546,000 | 17,759,000 | 24,142,000 |
| Noninterest income | 1,661,000 | 3,747,000 | 5,288,000 | 8,534,000 |
| Noninterest expense | 7,485,000 | 14,903,000 | 22,395,000 | 30,416,000 |
| Provision for loan losses | 494,000 | 691,000 | 1,102,000 | 1,293,000 |
| Pretax income | 556,000 | 1,371,000 | 2,360,000 | 3,789,000 |
| Income tax | 84,000 | 170,000 | 347,000 | 587,000 |
| Net income | 472,000 | 1,201,000 | 2,013,000 | 3,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,220,000 | 77,716,000 | 79,481,000 | 79,541,000 |
| Total capital | 83,549,000 | 85,205,000 | 86,858,000 | 86,654,000 |
| Risk-weighted assets | 584,283,000 | 597,298,000 | 587,783,000 | 566,243,000 |