Call reports 2006
CITIZENS TRUST COMPANY — 2006
What CITIZENS TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 140,372,000 | 142,622,000 | 142,419,000 | 144,144,000 |
| Total loans | 59,173,000 | 60,487,000 | 61,252,000 | 61,031,000 |
| Allowance for loan losses | 591,000 | 591,000 | 581,000 | 587,000 |
| Securities available for sale | 67,085,000 | 67,579,000 | 65,582,000 | 61,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,677,000 | 97,618,000 | 98,871,000 | 101,137,000 |
| Interest-bearing deposits | 84,062,000 | 85,918,000 | 87,159,000 | 89,263,000 |
| Noninterest-bearing deposits | 10,615,000 | 11,700,000 | 11,712,000 | 11,874,000 |
| Equity capital | 17,607,000 | 17,359,000 | 17,926,000 | 18,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,794,000 | 3,702,000 | 5,690,000 | 7,714,000 |
| Interest expense | 943,000 | 1,954,000 | 3,020,000 | 4,115,000 |
| Net interest income | 851,000 | 1,748,000 | 2,670,000 | 3,599,000 |
| Noninterest income | 386,000 | 770,000 | 1,169,000 | 1,569,000 |
| Noninterest expense | 899,000 | 1,767,000 | 2,607,000 | 3,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 338,000 | 751,000 | 1,232,000 | 1,696,000 |
| Income tax | 27,000 | 81,000 | 166,000 | 249,000 |
| Net income | 311,000 | 670,000 | 1,066,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,096,000 | 18,250,000 | 18,442,000 | 18,627,000 |
| Total capital | 18,687,000 | 18,841,000 | 19,023,000 | 19,214,000 |
| Risk-weighted assets | 65,737,000 | 67,490,000 | 66,734,000 | 66,263,000 |