Call reports 2004
CITIZENS BANK AND TRUST COMPANY — 2004
What CITIZENS BANK AND TRUST COMPANY 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 | 264,730,000 | 266,637,000 | 274,576,000 | 275,635,000 |
| Total loans | 180,255,000 | 186,805,000 | 192,877,000 | 198,238,000 |
| Allowance for loan losses | 2,082,000 | 2,100,000 | 2,070,000 | 2,740,000 |
| Securities available for sale | 50,147,000 | 45,998,000 | 43,046,000 | 41,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,181,000 | 242,294,000 | 248,515,000 | 249,416,000 |
| Interest-bearing deposits | 167,776,000 | 204,852,000 | 209,471,000 | 211,837,000 |
| Noninterest-bearing deposits | 72,405,000 | 37,442,000 | 39,045,000 | 37,579,000 |
| Equity capital | 23,273,000 | 22,811,000 | 24,278,000 | 24,493,000 |
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 | 3,193,000 | 6,495,000 | 9,799,000 | 13,278,000 |
| Interest expense | 897,000 | 1,764,000 | 2,641,000 | 3,612,000 |
| Net interest income | 2,296,000 | 4,731,000 | 7,158,000 | 9,666,000 |
| Noninterest income | 332,000 | 793,000 | 1,343,000 | 1,912,000 |
| Noninterest expense | 1,802,000 | 3,717,000 | 5,754,000 | 7,655,000 |
| Provision for loan losses | 0 | 25,000 | 40,000 | 703,000 |
| Pretax income | 853,000 | 1,873,000 | 2,809,000 | 3,322,000 |
| Income tax | 167,000 | 387,000 | 618,000 | 738,000 |
| Net income | 686,000 | 1,486,000 | 2,191,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,774,000 | 23,536,000 | 24,240,000 | 24,633,000 |
| Total capital | 24,856,000 | 25,636,000 | 26,310,000 | 26,870,000 |
| Risk-weighted assets | 166,999,000 | 174,577,000 | 171,659,000 | 178,490,000 |
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