Call reports 2003
CITIZENS BANK & TRUST COMPANY — 2003
What CITIZENS BANK & 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 | 82,852,000 | 83,867,000 | 84,999,000 | 83,616,000 |
| Total loans | 46,804,000 | 48,794,000 | 51,188,000 | 50,298,000 |
| Allowance for loan losses | 496,000 | 510,000 | 496,000 | 460,000 |
| Securities available for sale | 25,146,000 | 25,206,000 | 26,020,000 | 24,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,735,000 | 76,526,000 | 77,470,000 | 76,113,000 |
| Interest-bearing deposits | 58,238,000 | 59,971,000 | 59,352,000 | 58,346,000 |
| Noninterest-bearing deposits | 17,497,000 | 16,555,000 | 18,118,000 | 17,767,000 |
| Equity capital | 6,635,000 | 6,859,000 | 6,988,000 | 6,947,000 |
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 | 1,132,000 | 2,233,000 | 3,338,000 | 4,458,000 |
| Interest expense | 268,000 | 519,000 | 730,000 | 930,000 |
| Net interest income | 864,000 | 1,714,000 | 2,608,000 | 3,528,000 |
| Noninterest income | 176,000 | 366,000 | 617,000 | 776,000 |
| Noninterest expense | 713,000 | 1,444,000 | 2,191,000 | 2,951,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 56,000 |
| Pretax income | 328,000 | 625,000 | 1,011,000 | 1,310,000 |
| Income tax | 102,000 | 194,000 | 316,000 | 408,000 |
| Net income | 226,000 | 431,000 | 695,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,330,000 | 6,531,000 | 6,792,000 | 6,797,000 |
| Total capital | 7,000,000 | 7,215,000 | 7,462,000 | 7,431,000 |
| Risk-weighted assets | 51,061,000 | 53,194,000 | 55,114,000 | 54,146,000 |
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