Call reports 2002
CITIZENS BANK & TRUST COMPANY — 2002
What CITIZENS BANK & 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 | 80,635,000 | 80,116,000 | 80,398,000 | 81,098,000 |
| Total loans | 46,826,000 | 46,918,000 | 48,327,000 | 46,878,000 |
| Allowance for loan losses | 457,000 | 449,000 | 458,000 | 485,000 |
| Securities available for sale | 22,338,000 | 22,515,000 | 23,471,000 | 23,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,355,000 | 73,308,000 | 73,187,000 | 73,934,000 |
| Interest-bearing deposits | 58,763,000 | 56,965,000 | 56,801,000 | 57,446,000 |
| Noninterest-bearing deposits | 15,592,000 | 16,343,000 | 16,386,000 | 16,488,000 |
| Equity capital | 5,839,000 | 6,211,000 | 6,486,000 | 6,459,000 |
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 | 1,222,000 | 2,482,000 | 3,721,000 | 4,904,000 |
| Interest expense | 464,000 | 839,000 | 1,190,000 | 1,512,000 |
| Net interest income | 758,000 | 1,643,000 | 2,531,000 | 3,392,000 |
| Noninterest income | 166,000 | 328,000 | 503,000 | 675,000 |
| Noninterest expense | 673,000 | 1,361,000 | 2,065,000 | 2,764,000 |
| Provision for loan losses | 12,000 | 30,000 | 52,000 | 79,000 |
| Pretax income | 239,000 | 580,000 | 917,000 | 1,224,000 |
| Income tax | 73,000 | 179,000 | 283,000 | 371,000 |
| Net income | 166,000 | 401,000 | 634,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,632,000 | 5,863,000 | 6,093,000 | 6,101,000 |
| Total capital | 6,263,000 | 6,486,000 | 6,725,000 | 6,760,000 |
| Risk-weighted assets | 49,097,000 | 49,715,000 | 51,542,000 | 50,532,000 |
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