Call reports 2002
CITIZENS BANK & TRUST CO. — 2002
What CITIZENS BANK & TRUST CO. 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 | 77,748,000 | 76,744,000 | 75,026,000 | 75,267,000 |
| Total loans | 63,934,000 | 64,462,000 | 63,606,000 | 61,973,000 |
| Allowance for loan losses | 476,000 | 476,000 | 301,000 | 299,000 |
| Securities available for sale | 4,017,000 | 2,000,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,006,000 | 65,811,000 | 64,262,000 | 64,344,000 |
| Interest-bearing deposits | 60,903,000 | 59,762,000 | 57,190,000 | 56,588,000 |
| Noninterest-bearing deposits | 6,103,000 | 6,049,000 | 7,072,000 | 7,756,000 |
| Equity capital | 5,898,000 | 5,969,000 | 5,995,000 | 6,042,000 |
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 | 1,263,000 | 2,523,000 | 3,684,000 | 4,842,000 |
| Interest expense | 692,000 | 1,332,000 | 1,939,000 | 2,496,000 |
| Net interest income | 571,000 | 1,191,000 | 1,745,000 | 2,346,000 |
| Noninterest income | 83,000 | 183,000 | 288,000 | 392,000 |
| Noninterest expense | 485,000 | 979,000 | 1,475,000 | 1,983,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 395,000 | 558,000 | 755,000 |
| Income tax | 60,000 | 140,000 | 196,000 | 264,000 |
| Net income | 109,000 | 255,000 | 362,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,882,000 | 5,969,000 | 5,995,000 | 6,042,000 |
| Total capital | 6,358,000 | 6,445,000 | 6,296,000 | 6,341,000 |
| Risk-weighted assets | 59,432,000 | 60,381,000 | 59,889,000 | 61,187,000 |