Call reports 2002
CITIZENS BANK & TRUST COMPANY — 2002
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,717,000 | 86,460,000 | 86,710,000 | 88,419,000 |
| Total loans | 28,783,000 | 28,033,000 | 27,530,000 | 29,528,000 |
| Allowance for loan losses | 466,000 | 471,000 | 495,000 | 479,000 |
| Securities available for sale | 21,703,000 | 21,003,000 | 20,660,000 | 19,378,000 |
| Securities held to maturity | 22,968,000 | 26,931,000 | 26,555,000 | 27,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,274,000 | 65,123,000 | 65,542,000 | 65,264,000 |
| Interest-bearing deposits | 54,348,000 | 54,244,000 | 56,414,000 | 55,198,000 |
| Noninterest-bearing deposits | 11,926,000 | 10,879,000 | 9,128,000 | 10,066,000 |
| Equity capital | 8,142,000 | 9,457,000 | 9,678,000 | 9,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,544,000 | 3,795,000 | 4,997,000 |
| Interest expense | 554,000 | 1,082,000 | 1,587,000 | 2,073,000 |
| Net interest income | 726,000 | 1,462,000 | 2,208,000 | 2,924,000 |
| Noninterest income | 242,000 | 1,584,000 | 1,816,000 | 2,046,000 |
| Noninterest expense | 730,000 | 1,464,000 | 2,238,000 | 3,034,000 |
| Provision for loan losses | 23,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 215,000 | 1,547,000 | 1,751,000 | 1,901,000 |
| Income tax | 54,000 | 197,000 | 202,000 | 82,000 |
| Net income | 161,000 | 1,350,000 | 1,549,000 | 1,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,801,000 | 8,990,000 | 9,189,000 | 9,459,000 |
| Total capital | 8,267,000 | 9,461,000 | 9,684,000 | 9,938,000 |
| Risk-weighted assets | 42,914,000 | 40,814,000 | 39,848,000 | 41,571,000 |