Call reports 2005
CITIZENS BANK & TRUST COMPANY — 2005
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,376,000 | 94,722,000 | 99,250,000 | 103,301,000 |
| Total loans | 45,976,000 | 45,884,000 | 47,258,000 | 46,570,000 |
| Allowance for loan losses | 569,000 | 561,000 | 567,000 | 553,000 |
| Securities available for sale | 20,714,000 | 20,837,000 | 20,381,000 | 20,905,000 |
| Securities held to maturity | 17,007,000 | 16,266,000 | 18,720,000 | 19,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,960,000 | 76,171,000 | 80,630,000 | 83,371,000 |
| Interest-bearing deposits | 63,685,000 | 63,972,000 | 67,683,000 | 70,679,000 |
| Noninterest-bearing deposits | 12,275,000 | 12,199,000 | 12,947,000 | 12,692,000 |
| Equity capital | 7,956,000 | 8,179,000 | 8,228,000 | 8,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,463,000 | 3,776,000 | 5,143,000 |
| Interest expense | 462,000 | 906,000 | 1,420,000 | 1,969,000 |
| Net interest income | 748,000 | 1,557,000 | 2,356,000 | 3,174,000 |
| Noninterest income | 248,000 | 517,000 | 791,000 | 1,069,000 |
| Noninterest expense | 814,000 | 1,732,000 | 2,641,000 | 3,611,000 |
| Provision for loan losses | 16,000 | 32,000 | 48,000 | 48,000 |
| Pretax income | 166,000 | 310,000 | 458,000 | 584,000 |
| Income tax | 24,000 | 45,000 | 65,000 | 50,000 |
| Net income | 142,000 | 265,000 | 393,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,013,000 | 8,136,000 | 8,265,000 | 8,406,000 |
| Total capital | 8,582,000 | 8,697,000 | 8,832,000 | 8,959,000 |
| Risk-weighted assets | 54,861,000 | 55,936,000 | 58,340,000 | 59,657,000 |