Call reports 2004
CITIZENS TRUST BANK — 2004
What CITIZENS TRUST BANK 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 | 344,562,000 | 336,057,000 | 325,172,000 | 330,833,000 |
| Total loans | 214,334,000 | 207,022,000 | 203,150,000 | 210,537,000 |
| Allowance for loan losses | 3,471,000 | 3,333,000 | 3,108,000 | 3,183,000 |
| Securities available for sale | 81,707,000 | 80,353,000 | 77,572,000 | 74,687,000 |
| Securities held to maturity | 10,329,000 | 10,193,000 | 10,081,000 | 9,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,524,000 | 269,994,000 | 267,446,000 | 266,564,000 |
| Interest-bearing deposits | 219,972,000 | 205,936,000 | 210,204,000 | 208,963,000 |
| Noninterest-bearing deposits | 74,552,000 | 64,058,000 | 57,242,000 | 57,601,000 |
| Equity capital | 30,110,000 | 28,822,000 | 30,405,000 | 31,024,000 |
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 | 4,980,000 | 9,759,000 | 14,326,000 | 19,282,000 |
| Interest expense | 917,000 | 1,795,000 | 2,738,000 | 3,790,000 |
| Net interest income | 4,063,000 | 7,964,000 | 11,588,000 | 15,492,000 |
| Noninterest income | 1,140,000 | 2,827,000 | 4,272,000 | 5,906,000 |
| Noninterest expense | 3,938,000 | 8,323,000 | 12,568,000 | 17,032,000 |
| Provision for loan losses | 300,000 | 550,000 | 775,000 | 850,000 |
| Pretax income | 1,023,000 | 1,976,000 | 2,575,000 | 3,574,000 |
| Income tax | 253,000 | 491,000 | 609,000 | 861,000 |
| Net income | 770,000 | 1,485,000 | 1,966,000 | 2,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,704,000 | 27,722,000 | 28,256,000 | 28,944,000 |
| Total capital | 30,322,000 | 30,300,000 | 30,907,000 | 31,686,000 |
| Risk-weighted assets | 208,481,000 | 205,487,000 | 211,642,000 | 218,928,000 |
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