Call reports 2002
CITIZENS BANK AND TRUST COMPANY — 2002
What CITIZENS BANK AND TRUST COMPANY 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 | 124,545,000 | 125,463,000 | 121,408,000 | 135,216,000 |
| Total loans | 89,518,000 | 87,302,000 | 88,776,000 | 86,821,000 |
| Allowance for loan losses | 1,113,000 | 873,000 | 823,000 | 1,054,000 |
| Securities available for sale | 4,447,000 | 4,895,000 | 4,552,000 | 4,323,000 |
| Securities held to maturity | 2,712,000 | 4,756,000 | 5,773,000 | 6,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,384,000 | 109,140,000 | 104,724,000 | 119,564,000 |
| Interest-bearing deposits | 87,211,000 | 87,980,000 | 82,667,000 | 96,276,000 |
| Noninterest-bearing deposits | 21,173,000 | 21,160,000 | 22,057,000 | 23,288,000 |
| Equity capital | 14,366,000 | 14,702,000 | 14,769,000 | 14,271,000 |
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 | 2,005,000 | 3,966,000 | 5,921,000 | 7,757,000 |
| Interest expense | 506,000 | 1,014,000 | 1,472,000 | 1,880,000 |
| Net interest income | 1,499,000 | 2,952,000 | 4,449,000 | 5,877,000 |
| Noninterest income | 424,000 | 887,000 | 1,352,000 | 1,983,000 |
| Noninterest expense | 1,235,000 | 2,564,000 | 3,875,000 | 5,218,000 |
| Provision for loan losses | 130,000 | 280,000 | 590,000 | 2,065,000 |
| Pretax income | 558,000 | 995,000 | 1,336,000 | 577,000 |
| Income tax | 174,000 | 308,000 | 406,000 | 38,000 |
| Net income | 384,000 | 687,000 | 930,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,349,000 | 14,651,000 | 14,715,000 | 14,220,000 |
| Total capital | 15,462,000 | 15,524,000 | 15,538,000 | 15,274,000 |
| Risk-weighted assets | 91,423,000 | 89,240,000 | 89,211,000 | 90,544,000 |