Call reports 2003
CITIZENS BANK & TRUST CO. — 2003
What CITIZENS BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 |
|---|---|
| Total assets | 71,768,000 |
| Total loans | 60,228,000 |
| Allowance for loan losses | 604,000 |
| Securities available for sale | 0 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 61,052,000 |
| Interest-bearing deposits | 54,058,000 |
| Noninterest-bearing deposits | 6,994,000 |
| Equity capital | 5,835,000 |
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 |
|---|---|
| Interest income | 1,066,000 |
| Interest expense | 510,000 |
| Net interest income | 556,000 |
| Noninterest income | 81,000 |
| Noninterest expense | 653,000 |
| Provision for loan losses | 315,000 |
| Pretax income | -331,000 |
| Income tax | -124,000 |
| Net income | -207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 |
|---|---|
| Tier 1 capital | 5,835,000 |
| Total capital | 6,439,000 |
| Risk-weighted assets | 57,604,000 |