Call reports 2003
CITIZENS TRUST BANK — 2003
What CITIZENS TRUST BANK 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 | 374,850,000 | 364,127,000 | 361,951,000 | 360,418,000 |
| Total loans | 204,367,000 | 204,645,000 | 202,794,000 | 212,567,000 |
| Allowance for loan losses | 3,461,000 | 3,419,000 | 3,295,000 | 3,240,000 |
| Securities available for sale | 117,406,000 | 105,995,000 | 103,536,000 | 97,305,000 |
| Securities held to maturity | 7,301,000 | 7,232,000 | 10,634,000 | 10,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,475,000 | 289,892,000 | 294,787,000 | 276,893,000 |
| Interest-bearing deposits | 245,973,000 | 227,745,000 | 230,298,000 | 220,947,000 |
| Noninterest-bearing deposits | 59,502,000 | 62,147,000 | 64,489,000 | 55,946,000 |
| Equity capital | 28,136,000 | 29,475,000 | 28,817,000 | 29,235,000 |
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 | 4,427,000 | 9,412,000 | 13,962,000 | 18,790,000 |
| Interest expense | 1,024,000 | 2,202,000 | 3,199,000 | 4,197,000 |
| Net interest income | 3,403,000 | 7,209,000 | 10,763,000 | 14,593,000 |
| Noninterest income | 1,149,000 | 2,574,000 | 3,803,000 | 5,081,000 |
| Noninterest expense | 3,383,000 | 7,699,000 | 12,012,000 | 16,155,000 |
| Provision for loan losses | 215,000 | 280,000 | 380,000 | 1,180,000 |
| Pretax income | 954,000 | 2,022,000 | 2,880,000 | 3,055,000 |
| Income tax | 228,000 | 491,000 | 680,000 | 627,000 |
| Net income | 726,000 | 1,531,000 | 2,200,000 | 2,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,422,000 | 28,086,000 | 27,420,000 | 27,536,000 |
| Total capital | 30,407,000 | 30,536,000 | 29,943,000 | 30,112,000 |
| Risk-weighted assets | 237,563,000 | 195,066,000 | 201,018,000 | 208,567,000 |