Call reports 2004
CITIZENS BANK AND TRUST — 2004
What CITIZENS BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 113,871,000 | 239,843,000 | 247,920,000 | 273,523,000 |
| Total loans | 57,954,000 | 141,163,000 | 141,182,000 | 146,970,000 |
| Allowance for loan losses | 414,000 | 1,171,000 | 1,143,000 | 1,208,000 |
| Securities available for sale | 44,423,000 | 60,869,000 | 63,165,000 | 84,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,923,000 | 191,505,000 | 201,128,000 | 227,579,000 |
| Interest-bearing deposits | 62,736,000 | 145,473,000 | 157,882,000 | 172,381,000 |
| Noninterest-bearing deposits | 25,187,000 | 46,032,000 | 43,246,000 | 55,198,000 |
| Equity capital | 16,837,000 | 29,811,000 | 28,373,000 | 29,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 3,269,000 | 6,055,000 | 8,967,000 |
| Interest expense | 328,000 | 744,000 | 1,395,000 | 2,102,000 |
| Net interest income | 1,071,000 | 2,525,000 | 4,660,000 | 6,865,000 |
| Noninterest income | 220,000 | 603,000 | 1,264,000 | 1,814,000 |
| Noninterest expense | 867,000 | 2,084,000 | 4,067,000 | 6,594,000 |
| Provision for loan losses | 88,000 | 88,000 | 88,000 | 192,000 |
| Pretax income | 336,000 | 877,000 | 1,690,000 | 1,808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 336,000 | 877,000 | 1,690,000 | 1,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,229,000 | 19,936,000 | 17,788,000 | 18,150,000 |
| Total capital | 15,643,000 | 21,107,000 | 18,931,000 | 19,358,000 |
| Risk-weighted assets | 70,891,000 | 150,217,000 | 152,217,000 | 164,952,000 |
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