Call reports 2005
CITIZENS BANK & TRUST — 2005
What CITIZENS BANK & TRUST 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 | 89,980,000 | 99,310,000 | 105,937,000 | 111,255,000 |
| Total loans | 52,293,000 | 63,641,000 | 72,012,000 | 82,184,000 |
| Allowance for loan losses | 750,000 | 824,000 | 948,000 | 1,026,000 |
| Securities available for sale | 21,447,000 | 17,336,000 | 15,933,000 | 15,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,825,000 | 86,820,000 | 93,201,000 | 100,519,000 |
| Interest-bearing deposits | 62,551,000 | 71,884,000 | 78,111,000 | 85,526,000 |
| Noninterest-bearing deposits | 15,274,000 | 14,936,000 | 15,090,000 | 14,993,000 |
| Equity capital | 8,969,000 | 9,218,000 | 9,390,000 | 9,460,000 |
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 | 1,117,000 | 2,456,000 | 4,054,000 | 5,772,000 |
| Interest expense | 399,000 | 878,000 | 1,459,000 | 2,137,000 |
| Net interest income | 718,000 | 1,578,000 | 2,595,000 | 3,635,000 |
| Noninterest income | 109,000 | 261,000 | 423,000 | 632,000 |
| Noninterest expense | 747,000 | 1,564,000 | 2,370,000 | 3,186,000 |
| Provision for loan losses | 75,000 | 153,000 | 321,000 | 500,000 |
| Pretax income | 5,000 | 122,000 | 327,000 | 581,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 122,000 | 327,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,296,000 | 9,413,000 | 9,618,000 | 9,873,000 |
| Total capital | 10,046,000 | 10,236,000 | 10,566,000 | 10,899,000 |
| Risk-weighted assets | 71,175,000 | 83,434,000 | 90,261,000 | 92,159,000 |