Call reports 2003
CITIZENS BANK AND TRUST COMPANY — 2003
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 268,630,000 | 269,243,000 | 268,564,000 | 267,409,000 |
| Total loans | 167,159,000 | 167,839,000 | 170,740,000 | 175,430,000 |
| Allowance for loan losses | 2,994,000 | 2,434,000 | 2,415,000 | 2,371,000 |
| Securities available for sale | 68,398,000 | 63,171,000 | 62,087,000 | 57,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,362,000 | 235,527,000 | 235,830,000 | 244,318,000 |
| Interest-bearing deposits | 204,362,000 | 201,294,000 | 201,850,000 | 168,714,000 |
| Noninterest-bearing deposits | 31,000,000 | 34,233,000 | 33,980,000 | 75,604,000 |
| Equity capital | 31,768,000 | 32,395,000 | 31,751,000 | 22,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,766,000 | 7,323,000 | 10,770,000 | 13,742,000 |
| Interest expense | 1,246,000 | 2,386,000 | 3,446,000 | 4,457,000 |
| Net interest income | 2,520,000 | 4,937,000 | 7,324,000 | 9,285,000 |
| Noninterest income | 199,000 | 669,000 | 974,000 | 1,358,000 |
| Noninterest expense | 1,652,000 | 3,418,000 | 5,526,000 | 7,198,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 919,000 | 2,004,000 | 2,622,000 | 3,309,000 |
| Income tax | 251,000 | 552,000 | 625,000 | 733,000 |
| Net income | 668,000 | 1,452,000 | 1,997,000 | 2,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,066,000 | 31,568,000 | 31,820,000 | 22,081,000 |
| Total capital | 33,710,000 | 33,518,000 | 33,850,000 | 24,116,000 |
| Risk-weighted assets | 153,552,000 | 155,543,000 | 161,214,000 | 162,542,000 |
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