Call reports 2005
CITIZENS BANK & TRUST COMPANY — 2005
What CITIZENS BANK & 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 | 96,760,000 | 94,368,000 | 106,805,000 | 123,408,000 |
| Total loans | 61,786,000 | 60,689,000 | 63,269,000 | 66,723,000 |
| Allowance for loan losses | 512,000 | 522,000 | 535,000 | 540,000 |
| Securities available for sale | 18,622,000 | 18,978,000 | 17,918,000 | 34,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,087,000 | 86,405,000 | 98,576,000 | 114,764,000 |
| Interest-bearing deposits | 67,995,000 | 64,440,000 | 67,949,000 | 77,473,000 |
| Noninterest-bearing deposits | 21,092,000 | 21,965,000 | 30,627,000 | 37,291,000 |
| Equity capital | 7,214,000 | 7,443,000 | 7,577,000 | 7,668,000 |
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 | 1,119,000 | 2,310,000 | 3,571,000 | 5,075,000 |
| Interest expense | 234,000 | 511,000 | 826,000 | 1,182,000 |
| Net interest income | 885,000 | 1,799,000 | 2,745,000 | 3,893,000 |
| Noninterest income | 143,000 | 278,000 | 383,000 | 497,000 |
| Noninterest expense | 785,000 | 1,613,000 | 2,426,000 | 3,238,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 231,000 | 440,000 | 666,000 | 1,104,000 |
| Income tax | 64,000 | 124,000 | 190,000 | 327,000 |
| Net income | 167,000 | 316,000 | 476,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,254,000 | 7,399,000 | 7,557,000 | 7,654,000 |
| Total capital | 7,940,000 | 8,095,000 | 8,266,000 | 8,381,000 |
| Risk-weighted assets | 65,923,000 | 64,898,000 | 69,024,000 | 74,339,000 |
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