Call reports 2005
CITIZENS BANK AND TRUST COMPANY — 2005
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 266,529,000 | 267,425,000 | 272,467,000 | 267,986,000 |
| Total loans | 196,820,000 | 196,996,000 | 201,473,000 | 200,366,000 |
| Allowance for loan losses | 1,828,000 | 1,929,000 | 1,995,000 | 1,954,000 |
| Securities available for sale | 41,294,000 | 42,707,000 | 41,618,000 | 42,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,134,000 | 238,583,000 | 239,977,000 | 236,229,000 |
| Interest-bearing deposits | 203,188,000 | 197,727,000 | 202,191,000 | 197,375,000 |
| Noninterest-bearing deposits | 36,946,000 | 40,856,000 | 37,786,000 | 38,854,000 |
| Equity capital | 24,895,000 | 26,009,000 | 26,659,000 | 25,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,483,000 | 6,966,000 | 10,646,000 | 14,442,000 |
| Interest expense | 964,000 | 1,959,000 | 3,051,000 | 4,238,000 |
| Net interest income | 2,519,000 | 5,007,000 | 7,595,000 | 10,204,000 |
| Noninterest income | 475,000 | 999,000 | 1,514,000 | 2,076,000 |
| Noninterest expense | 1,781,000 | 3,741,000 | 5,700,000 | 7,614,000 |
| Provision for loan losses | 145,000 | 196,000 | 208,000 | 208,000 |
| Pretax income | 1,068,000 | 2,069,000 | 3,201,000 | 4,458,000 |
| Income tax | 281,000 | 537,000 | 838,000 | 1,165,000 |
| Net income | 787,000 | 1,532,000 | 2,363,000 | 3,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,421,000 | 26,166,000 | 26,997,000 | 26,426,000 |
| Total capital | 27,249,000 | 28,095,000 | 28,992,000 | 28,380,000 |
| Risk-weighted assets | 177,411,000 | 177,714,000 | 182,043,000 | 181,286,000 |
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