Call reports 2004
CITIZENS BANK & TRUST COMPANY — 2004
What CITIZENS BANK & 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 | 85,348,000 | 86,584,000 | 88,312,000 | 88,930,000 |
| Total loans | 52,452,000 | 53,445,000 | 58,971,000 | 60,410,000 |
| Allowance for loan losses | 473,000 | 486,000 | 488,000 | 500,000 |
| Securities available for sale | 21,934,000 | 21,413,000 | 18,970,000 | 18,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,703,000 | 79,185,000 | 80,516,000 | 81,250,000 |
| Interest-bearing deposits | 59,529,000 | 60,090,000 | 60,837,000 | 60,539,000 |
| Noninterest-bearing deposits | 18,174,000 | 19,095,000 | 19,679,000 | 20,711,000 |
| Equity capital | 7,202,000 | 6,986,000 | 7,274,000 | 7,169,000 |
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 | 1,032,000 | 2,071,000 | 3,173,000 | 4,286,000 |
| Interest expense | 191,000 | 387,000 | 585,000 | 798,000 |
| Net interest income | 841,000 | 1,684,000 | 2,588,000 | 3,488,000 |
| Noninterest income | 147,000 | 296,000 | 446,000 | 604,000 |
| Noninterest expense | 812,000 | 1,641,000 | 2,466,000 | 3,265,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 108,000 |
| Pretax income | 164,000 | 315,000 | 518,000 | 705,000 |
| Income tax | 44,000 | 87,000 | 141,000 | 197,000 |
| Net income | 120,000 | 228,000 | 377,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,913,000 | 7,017,000 | 7,163,000 | 7,090,000 |
| Total capital | 7,560,000 | 7,677,000 | 7,825,000 | 7,764,000 |
| Risk-weighted assets | 55,872,000 | 58,085,000 | 62,762,000 | 63,043,000 |
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