Call reports 2005
CITIZENS BANK AND TRUST COMPANY — 2005
What CITIZENS BANK AND TRUST COMPANY 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 | 103,952,000 | 108,480,000 | 113,747,000 | 106,628,000 |
| Total loans | 57,274,000 | 63,646,000 | 70,464,000 | 66,203,000 |
| Allowance for loan losses | 897,000 | 842,000 | 764,000 | 800,000 |
| Securities available for sale | 2,952,000 | 2,949,000 | 2,931,000 | 2,922,000 |
| Securities held to maturity | 32,870,000 | 32,562,000 | 29,644,000 | 27,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,165,000 | 84,902,000 | 83,264,000 | 85,078,000 |
| Interest-bearing deposits | 68,576,000 | 67,900,000 | 67,695,000 | 67,059,000 |
| Noninterest-bearing deposits | 17,589,000 | 17,002,000 | 15,569,000 | 18,019,000 |
| Equity capital | 13,259,000 | 13,547,000 | 13,776,000 | 12,833,000 |
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 | 1,331,000 | 2,752,000 | 4,367,000 | 5,924,000 |
| Interest expense | 309,000 | 657,000 | 1,192,000 | 1,754,000 |
| Net interest income | 1,022,000 | 2,095,000 | 3,175,000 | 4,170,000 |
| Noninterest income | 294,000 | 565,000 | 840,000 | 1,108,000 |
| Noninterest expense | 858,000 | 1,746,000 | 2,646,000 | 3,649,000 |
| Provision for loan losses | 62,000 | 124,000 | 186,000 | 322,000 |
| Pretax income | 396,000 | 790,000 | 1,183,000 | 1,307,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 396,000 | 790,000 | 1,183,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,259,000 | 13,547,000 | 13,776,000 | 12,833,000 |
| Total capital | 14,135,000 | 14,389,000 | 14,540,000 | 13,633,000 |
| Risk-weighted assets | 70,030,000 | 75,066,000 | 80,980,000 | 75,746,000 |
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