Call reports 2003
CITIZENS BANK AND TRUST COMPANY — 2003
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 109,625,000 | 110,834,000 | 108,614,000 | 107,141,000 |
| Total loans | 62,099,000 | 66,649,000 | 67,616,000 | 59,767,000 |
| Allowance for loan losses | 1,042,000 | 1,072,000 | 1,002,000 | 970,000 |
| Securities available for sale | 6,510,000 | 3,000,000 | 2,982,000 | 2,982,000 |
| Securities held to maturity | 31,353,000 | 29,094,000 | 28,540,000 | 26,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,351,000 | 91,721,000 | 85,637,000 | 88,893,000 |
| Interest-bearing deposits | 75,184,000 | 76,182,000 | 69,148,000 | 68,185,000 |
| Noninterest-bearing deposits | 17,167,000 | 15,539,000 | 16,489,000 | 20,708,000 |
| Equity capital | 15,279,000 | 15,757,000 | 15,845,000 | 14,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,376,000 | 2,820,000 | 4,262,000 | 5,585,000 |
| Interest expense | 310,000 | 621,000 | 920,000 | 1,203,000 |
| Net interest income | 1,066,000 | 2,199,000 | 3,342,000 | 4,382,000 |
| Noninterest income | 299,000 | 601,000 | 881,000 | 1,158,000 |
| Noninterest expense | 876,000 | 1,701,000 | 2,547,000 | 3,431,000 |
| Provision for loan losses | 92,000 | 181,000 | 273,000 | 408,000 |
| Pretax income | 398,000 | 919,000 | 1,404,000 | 1,702,000 |
| Income tax | 92,000 | 135,000 | 202,000 | 384,000 |
| Net income | 306,000 | 784,000 | 1,202,000 | 1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,279,000 | 15,757,000 | 15,839,000 | 14,961,000 |
| Total capital | 16,222,000 | 16,740,000 | 16,829,000 | 15,866,000 |
| Risk-weighted assets | 75,382,000 | 78,546,000 | 79,192,000 | 72,294,000 |
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