Call reports 2004
CITIZENS BANK AND TRUST COMPANY — 2004
What CITIZENS BANK AND TRUST COMPANY 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 | 107,507,000 | 105,669,000 | 104,607,000 | 100,976,000 |
| Total loans | 53,285,000 | 59,116,000 | 62,374,000 | 57,815,000 |
| Allowance for loan losses | 933,000 | 891,000 | 956,000 | 843,000 |
| Securities available for sale | 3,482,000 | 3,467,000 | 3,464,000 | 2,961,000 |
| Securities held to maturity | 40,011,000 | 33,472,000 | 27,866,000 | 27,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,978,000 | 86,060,000 | 82,890,000 | 82,338,000 |
| Interest-bearing deposits | 71,831,000 | 65,334,000 | 68,809,000 | 63,948,000 |
| Noninterest-bearing deposits | 17,147,000 | 20,726,000 | 14,081,000 | 18,390,000 |
| Equity capital | 15,244,000 | 15,476,000 | 15,802,000 | 12,872,000 |
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 | 1,207,000 | 2,513,000 | 3,877,000 | 5,230,000 |
| Interest expense | 271,000 | 527,000 | 807,000 | 1,092,000 |
| Net interest income | 936,000 | 1,986,000 | 3,070,000 | 4,138,000 |
| Noninterest income | 291,000 | 566,000 | 862,000 | 1,124,000 |
| Noninterest expense | 862,000 | 1,712,000 | 2,603,000 | 3,487,000 |
| Provision for loan losses | 85,000 | 164,000 | 235,000 | 353,000 |
| Pretax income | 280,000 | 676,000 | 1,094,000 | 1,422,000 |
| Income tax | -9,000 | -19,000 | -26,000 | 389,000 |
| Net income | 289,000 | 695,000 | 1,120,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,244,000 | 15,476,000 | 15,802,000 | 12,872,000 |
| Total capital | 16,090,000 | 16,367,000 | 16,730,000 | 13,715,000 |
| Risk-weighted assets | 67,963,000 | 71,264,000 | 73,753,000 | 69,066,000 |