Call reports 2002
CITIZENS TRUST BANK — 2002
What CITIZENS TRUST BANK 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 | 290,798,000 | 269,678,000 | 266,877,000 | 276,323,000 |
| Total loans | 155,924,000 | 153,659,000 | 156,607,000 | 174,678,000 |
| Allowance for loan losses | 1,844,000 | 1,993,000 | 2,020,000 | 2,562,000 |
| Securities available for sale | 70,162,000 | 81,126,000 | 73,504,000 | 54,023,000 |
| Securities held to maturity | 2,376,000 | 2,376,000 | 2,376,000 | 2,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,847,000 | 234,657,000 | 225,830,000 | 227,533,000 |
| Interest-bearing deposits | 172,039,000 | 146,512,000 | 175,640,000 | 164,749,000 |
| Noninterest-bearing deposits | 85,808,000 | 88,145,000 | 50,190,000 | 62,784,000 |
| Equity capital | 21,129,000 | 22,679,000 | 28,412,000 | 28,284,000 |
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 | 4,173,000 | 8,450,000 | 12,685,000 | 17,071,000 |
| Interest expense | 1,482,000 | 2,786,000 | 3,938,000 | 5,070,000 |
| Net interest income | 2,691,000 | 5,664,000 | 8,747,000 | 12,001,000 |
| Noninterest income | 1,199,000 | 2,447,000 | 3,628,000 | 4,867,000 |
| Noninterest expense | 3,276,000 | 6,807,000 | 10,410,000 | 13,858,000 |
| Provision for loan losses | 175,000 | 400,000 | 590,000 | 1,660,000 |
| Pretax income | 469,000 | 1,146,000 | 1,694,000 | 2,514,000 |
| Income tax | 70,000 | 182,000 | 278,000 | 464,000 |
| Net income | 398,000 | 964,000 | 1,416,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,564,000 | 22,129,000 | 27,042,000 | 27,775,000 |
| Total capital | 23,432,000 | 24,122,000 | 29,062,000 | 30,075,000 |
| Risk-weighted assets | 172,344,000 | 163,078,000 | 164,905,000 | 183,666,000 |
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