Call reports 2004
CITIZENS BANK & TRUST — 2004
What CITIZENS BANK & TRUST 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 | 61,398,000 | 66,178,000 | 74,011,000 | 80,350,000 |
| Total loans | 33,992,000 | 37,489,000 | 42,701,000 | 49,510,000 |
| Allowance for loan losses | 498,000 | 551,000 | 641,000 | 683,000 |
| Securities available for sale | 20,151,000 | 21,110,000 | 21,007,000 | 20,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,607,000 | 51,154,000 | 58,536,000 | 66,506,000 |
| Interest-bearing deposits | 34,910,000 | 42,161,000 | 47,935,000 | 54,182,000 |
| Noninterest-bearing deposits | 8,697,000 | 8,993,000 | 10,601,000 | 12,324,000 |
| Equity capital | 9,738,000 | 8,942,000 | 9,269,000 | 9,220,000 |
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 | 690,000 | 1,428,000 | 2,282,000 | 3,285,000 |
| Interest expense | 202,000 | 420,000 | 694,000 | 1,022,000 |
| Net interest income | 488,000 | 1,008,000 | 1,588,000 | 2,263,000 |
| Noninterest income | 92,000 | 181,000 | 293,000 | 434,000 |
| Noninterest expense | 496,000 | 1,141,000 | 1,928,000 | 2,645,000 |
| Provision for loan losses | 75,000 | 129,000 | 249,000 | 317,000 |
| Pretax income | 9,000 | -81,000 | -317,000 | -326,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 9,000 | -81,000 | -317,000 | -326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,616,000 | 9,525,000 | 9,290,000 | 9,281,000 |
| Total capital | 10,114,000 | 10,076,000 | 9,931,000 | 9,964,000 |
| Risk-weighted assets | 44,070,000 | 47,788,000 | 53,083,000 | 61,229,000 |