Call reports 2002
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2002
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 141,129,000 | 139,433,000 | 137,682,000 | 136,161,000 |
| Total loans | 73,896,000 | 70,956,000 | 69,285,000 | 66,459,000 |
| Allowance for loan losses | 2,477,000 | 2,429,000 | 2,395,000 | 2,290,000 |
| Securities available for sale | 41,667,000 | 45,726,000 | 42,694,000 | 47,425,000 |
| Securities held to maturity | 5,421,000 | 6,086,000 | 6,561,000 | 7,351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,496,000 | 114,672,000 | 112,081,000 | 110,635,000 |
| Interest-bearing deposits | 94,176,000 | 91,326,000 | 89,784,000 | 88,954,000 |
| Noninterest-bearing deposits | 22,320,000 | 23,346,000 | 22,297,000 | 21,681,000 |
| Equity capital | 23,647,000 | 24,078,000 | 24,739,000 | 24,936,000 |
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 | 2,147,000 | 4,321,000 | 6,360,000 | 8,293,000 |
| Interest expense | 533,000 | 1,000,000 | 1,438,000 | 1,852,000 |
| Net interest income | 1,614,000 | 3,321,000 | 4,922,000 | 6,441,000 |
| Noninterest income | 161,000 | 297,000 | 433,000 | 586,000 |
| Noninterest expense | 963,000 | 2,007,000 | 2,971,000 | 3,931,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 812,000 | 1,611,000 | 2,384,000 | 3,096,000 |
| Income tax | 293,000 | 540,000 | 795,000 | 995,000 |
| Net income | 519,000 | 1,071,000 | 1,589,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,761,000 | 23,833,000 | 24,351,000 | 24,383,000 |
| Total capital | 24,733,000 | 24,772,000 | 25,283,000 | 25,282,000 |
| Risk-weighted assets | 76,235,000 | 73,600,000 | 73,111,000 | 70,454,000 |
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