Call reports 2003
CITIZENS BANK & TRUST COMPANY — 2003
What CITIZENS BANK & TRUST COMPANY 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 | 91,357,000 | 90,557,000 | 92,586,000 | 90,955,000 |
| Total loans | 30,760,000 | 34,282,000 | 36,034,000 | 37,965,000 |
| Allowance for loan losses | 493,000 | 515,000 | 474,000 | 489,000 |
| Securities available for sale | 18,448,000 | 20,809,000 | 24,295,000 | 23,404,000 |
| Securities held to maturity | 27,569,000 | 23,361,000 | 19,695,000 | 18,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,526,000 | 71,889,000 | 72,068,000 | 70,771,000 |
| Interest-bearing deposits | 59,062,000 | 61,288,000 | 60,586,000 | 59,838,000 |
| Noninterest-bearing deposits | 10,464,000 | 10,601,000 | 11,482,000 | 10,933,000 |
| Equity capital | 9,936,000 | 7,411,000 | 7,330,000 | 7,444,000 |
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 | 1,184,000 | 2,335,000 | 3,485,000 | 4,664,000 |
| Interest expense | 472,000 | 937,000 | 1,377,000 | 1,765,000 |
| Net interest income | 712,000 | 1,398,000 | 2,108,000 | 2,899,000 |
| Noninterest income | 284,000 | 565,000 | 789,000 | 1,009,000 |
| Noninterest expense | 848,000 | 1,667,000 | 2,545,000 | 3,411,000 |
| Provision for loan losses | 14,000 | 31,000 | 51,000 | 61,000 |
| Pretax income | 156,000 | 287,000 | 323,000 | 458,000 |
| Income tax | 28,000 | 52,000 | 67,000 | 50,000 |
| Net income | 128,000 | 235,000 | 256,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,587,000 | 6,994,000 | 7,015,000 | 7,167,000 |
| Total capital | 10,080,000 | 7,509,000 | 7,489,000 | 7,656,000 |
| Risk-weighted assets | 42,008,000 | 43,626,000 | 47,287,000 | 47,112,000 |