Call reports 2002
CITIZENS BANK AND TRUST COMPANY — 2002
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 107,462,000 | 109,605,000 | 113,606,000 | 106,963,000 |
| Total loans | 59,902,000 | 66,642,000 | 70,787,000 | 65,363,000 |
| Allowance for loan losses | 825,000 | 613,000 | 749,000 | 1,009,000 |
| Securities available for sale | 499,000 | 500,000 | 500,000 | 500,000 |
| Securities held to maturity | 31,072,000 | 31,265,000 | 31,281,000 | 24,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,782,000 | 92,617,000 | 93,205,000 | 90,595,000 |
| Interest-bearing deposits | 73,636,000 | 77,237,000 | 78,671,000 | 72,711,000 |
| Noninterest-bearing deposits | 17,146,000 | 15,380,000 | 14,534,000 | 17,884,000 |
| Equity capital | 15,320,000 | 15,758,000 | 16,096,000 | 14,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,575,000 | 3,159,000 | 4,841,000 | 6,412,000 |
| Interest expense | 440,000 | 840,000 | 1,267,000 | 1,652,000 |
| Net interest income | 1,135,000 | 2,319,000 | 3,574,000 | 4,760,000 |
| Noninterest income | 324,000 | 625,000 | 909,000 | 1,164,000 |
| Noninterest expense | 864,000 | 1,681,000 | 2,553,000 | 3,531,000 |
| Provision for loan losses | 91,000 | 179,000 | 367,000 | 994,000 |
| Pretax income | 504,000 | 1,084,000 | 1,564,000 | 1,398,000 |
| Income tax | 142,000 | 285,000 | 427,000 | 384,000 |
| Net income | 362,000 | 799,000 | 1,137,000 | 1,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,320,000 | 15,758,000 | 16,096,000 | 14,973,000 |
| Total capital | 16,145,000 | 16,371,000 | 16,845,000 | 15,890,000 |
| Risk-weighted assets | 69,439,000 | 75,339,000 | 80,261,000 | 73,274,000 |