Call reports 2002
CITIZENS BANK AND TRUST COMPANY — 2002
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 272,401,000 | 273,972,000 | 272,952,000 | 271,961,000 |
| Total loans | 190,807,000 | 184,000,000 | 179,465,000 | 167,082,000 |
| Allowance for loan losses | 2,961,000 | 3,037,000 | 3,424,000 | 2,925,000 |
| Securities available for sale | 65,000 | 65,000 | 14,117,000 | 72,286,000 |
| Securities held to maturity | 45,445,000 | 66,132,000 | 54,965,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,005,000 | 242,060,000 | 241,361,000 | 239,021,000 |
| Interest-bearing deposits | 211,209,000 | 212,846,000 | 210,774,000 | 209,945,000 |
| Noninterest-bearing deposits | 28,796,000 | 29,214,000 | 30,587,000 | 29,076,000 |
| Equity capital | 29,900,000 | 29,567,000 | 30,123,000 | 30,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,330,000 | 8,670,000 | 12,927,000 | 16,584,000 |
| Interest expense | 1,872,000 | 3,620,000 | 5,262,000 | 6,768,000 |
| Net interest income | 2,458,000 | 5,050,000 | 7,665,000 | 9,816,000 |
| Noninterest income | 175,000 | 409,000 | 519,000 | 771,000 |
| Noninterest expense | 1,421,000 | 2,864,000 | 4,414,000 | 5,683,000 |
| Provision for loan losses | 70,000 | 206,000 | 625,000 | 1,017,000 |
| Pretax income | 1,170,000 | 2,417,000 | 3,173,000 | 3,934,000 |
| Income tax | 378,000 | 785,000 | 1,021,000 | 1,259,000 |
| Net income | 792,000 | 1,632,000 | 2,152,000 | 2,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,900,000 | 29,524,000 | 30,123,000 | 30,044,000 |
| Total capital | 32,020,000 | 31,532,000 | 32,112,000 | 31,887,000 |
| Risk-weighted assets | 168,772,000 | 158,218,000 | 157,653,000 | 146,351,000 |
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