Call reports 2004
CITIZENS BANK & TRUST COMPANY — 2004
What CITIZENS BANK & TRUST COMPANY 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 | 91,884,000 | 94,303,000 | 93,222,000 | 94,698,000 |
| Total loans | 39,403,000 | 40,499,000 | 40,287,000 | 41,762,000 |
| Allowance for loan losses | 512,000 | 529,000 | 572,000 | 568,000 |
| Securities available for sale | 22,603,000 | 22,131,000 | 21,747,000 | 21,924,000 |
| Securities held to maturity | 17,405,000 | 18,274,000 | 18,580,000 | 17,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,010,000 | 74,565,000 | 73,024,000 | 74,448,000 |
| Interest-bearing deposits | 61,073,000 | 61,737,000 | 60,889,000 | 62,538,000 |
| Noninterest-bearing deposits | 10,937,000 | 12,828,000 | 12,135,000 | 11,910,000 |
| Equity capital | 7,644,000 | 7,422,000 | 7,795,000 | 7,974,000 |
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 | 1,203,000 | 2,372,000 | 3,543,000 | 4,747,000 |
| Interest expense | 360,000 | 738,000 | 1,130,000 | 1,538,000 |
| Net interest income | 843,000 | 1,634,000 | 2,413,000 | 3,209,000 |
| Noninterest income | 218,000 | 452,000 | 704,000 | 935,000 |
| Noninterest expense | 841,000 | 1,691,000 | 2,492,000 | 3,281,000 |
| Provision for loan losses | 23,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 197,000 | 355,000 | 585,000 | 823,000 |
| Income tax | 37,000 | 76,000 | 123,000 | 119,000 |
| Net income | 160,000 | 279,000 | 462,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,327,000 | 7,447,000 | 7,629,000 | 7,871,000 |
| Total capital | 7,839,000 | 7,976,000 | 8,201,000 | 8,439,000 |
| Risk-weighted assets | 48,163,000 | 50,469,000 | 49,801,000 | 52,108,000 |