Call reports 2004
CITIZENS BANK OF LOGAN, THE — 2004
What CITIZENS BANK OF LOGAN, THE 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 | 168,366,000 | 169,943,000 | 174,728,000 | 172,976,000 |
| Total loans | 133,673,000 | 134,981,000 | 135,214,000 | 137,511,000 |
| Allowance for loan losses | 2,936,000 | 3,086,000 | 3,089,000 | 3,121,000 |
| Securities available for sale | 24,900,000 | 24,485,000 | 27,014,000 | 26,611,000 |
| Securities held to maturity | 1,570,000 | 1,430,000 | 1,329,000 | 1,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,104,000 | 145,732,000 | 154,231,000 | 151,669,000 |
| Interest-bearing deposits | 131,597,000 | 131,037,000 | 137,649,000 | 133,383,000 |
| Noninterest-bearing deposits | 14,507,000 | 14,695,000 | 16,582,000 | 18,286,000 |
| Equity capital | 15,629,000 | 15,606,000 | 16,323,000 | 15,774,000 |
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 | 2,542,000 | 5,112,000 | 7,665,000 | 10,336,000 |
| Interest expense | 625,000 | 1,272,000 | 1,966,000 | 2,693,000 |
| Net interest income | 1,917,000 | 3,840,000 | 5,699,000 | 7,643,000 |
| Noninterest income | 317,000 | 675,000 | 1,083,000 | 1,419,000 |
| Noninterest expense | 1,444,000 | 2,958,000 | 4,433,000 | 5,761,000 |
| Provision for loan losses | 164,000 | 339,000 | 511,000 | 684,000 |
| Pretax income | 628,000 | 1,220,000 | 1,840,000 | 2,618,000 |
| Income tax | 179,000 | 349,000 | 476,000 | 664,000 |
| Net income | 449,000 | 871,000 | 1,364,000 | 1,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,913,000 | 15,335,000 | 15,828,000 | 15,419,000 |
| Total capital | 16,744,000 | 17,179,000 | 17,675,000 | 17,271,000 |
| Risk-weighted assets | 145,340,000 | 146,253,000 | 146,548,000 | 146,864,000 |