Call reports 2003
CITIZENS BANK OF LOGAN, THE — 2003
What CITIZENS BANK OF LOGAN, THE 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 | 152,650,000 | 154,760,000 | 159,439,000 | 161,804,000 |
| Total loans | 112,510,000 | 117,602,000 | 124,580,000 | 128,512,000 |
| Allowance for loan losses | 2,991,000 | 3,085,000 | 3,266,000 | 2,867,000 |
| Securities available for sale | 28,228,000 | 27,615,000 | 25,300,000 | 23,908,000 |
| Securities held to maturity | 2,461,000 | 2,167,000 | 1,881,000 | 1,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,459,000 | 133,338,000 | 138,634,000 | 138,936,000 |
| Interest-bearing deposits | 120,235,000 | 120,802,000 | 121,098,000 | 123,330,000 |
| Noninterest-bearing deposits | 14,224,000 | 12,536,000 | 17,536,000 | 15,606,000 |
| Equity capital | 15,342,000 | 16,142,000 | 15,425,000 | 15,051,000 |
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 | 2,440,000 | 5,044,000 | 7,681,000 | 10,186,000 |
| Interest expense | 681,000 | 1,329,000 | 1,929,000 | 2,530,000 |
| Net interest income | 1,759,000 | 3,715,000 | 5,752,000 | 7,656,000 |
| Noninterest income | 312,000 | 714,000 | 1,200,000 | 1,606,000 |
| Noninterest expense | 1,442,000 | 2,888,000 | 4,295,000 | 5,889,000 |
| Provision for loan losses | 148,000 | 310,000 | 485,000 | 633,000 |
| Pretax income | 481,000 | 1,231,000 | 2,172,000 | 2,740,000 |
| Income tax | 132,000 | 350,000 | 634,000 | 793,000 |
| Net income | 349,000 | 881,000 | 1,538,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,701,000 | 15,233,000 | 14,852,000 | 14,464,000 |
| Total capital | 16,368,000 | 16,928,000 | 16,634,000 | 16,253,000 |
| Risk-weighted assets | 132,038,000 | 134,190,000 | 141,082,000 | 142,028,000 |