Call reports 2005
CITIZENS TRUST BANK — 2005
What CITIZENS TRUST BANK 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 | 326,250,000 | 331,553,000 | 323,602,000 | 327,982,000 |
| Total loans | 211,105,000 | 209,813,000 | 212,436,000 | 218,972,000 |
| Allowance for loan losses | 3,360,000 | 3,422,000 | 3,294,000 | 3,327,000 |
| Securities available for sale | 67,347,000 | 64,122,000 | 65,825,000 | 65,767,000 |
| Securities held to maturity | 9,892,000 | 9,799,000 | 9,676,000 | 9,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,526,000 | 266,882,000 | 267,487,000 | 254,812,000 |
| Interest-bearing deposits | 211,401,000 | 201,222,000 | 208,345,000 | 194,582,000 |
| Noninterest-bearing deposits | 66,125,000 | 65,660,000 | 59,142,000 | 60,230,000 |
| Equity capital | 31,021,000 | 31,485,000 | 31,920,000 | 32,347,000 |
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 | 4,760,000 | 9,717,000 | 14,699,000 | 19,785,000 |
| Interest expense | 1,079,000 | 2,220,000 | 3,528,000 | 5,077,000 |
| Net interest income | 3,681,000 | 7,497,000 | 11,171,000 | 14,708,000 |
| Noninterest income | 1,208,000 | 2,772,000 | 4,060,000 | 5,366,000 |
| Noninterest expense | 4,102,000 | 8,656,000 | 12,372,000 | 16,203,000 |
| Provision for loan losses | 105,000 | 167,000 | 228,000 | 287,000 |
| Pretax income | 728,000 | 1,492,000 | 2,360,000 | 3,313,000 |
| Income tax | 170,000 | 351,000 | 442,000 | 565,000 |
| Net income | 558,000 | 1,141,000 | 1,918,000 | 2,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,704,000 | 30,518,000 | 31,195,000 | 32,128,000 |
| Total capital | 32,461,000 | 33,296,000 | 33,987,000 | 34,987,000 |
| Risk-weighted assets | 221,740,000 | 221,544,000 | 221,629,000 | 227,829,000 |