Call reports 2003
CITIZENS BANK AND TRUST COMPANY — 2003
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 120,732,000 | 120,212,000 | 116,914,000 | 129,861,000 |
| Total loans | 84,072,000 | 83,909,000 | 87,539,000 | 89,488,000 |
| Allowance for loan losses | 815,000 | 946,000 | 1,042,000 | 947,000 |
| Securities available for sale | 4,016,000 | 2,793,000 | 2,524,000 | 2,208,000 |
| Securities held to maturity | 6,906,000 | 8,144,000 | 7,978,000 | 6,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,478,000 | 103,639,000 | 100,392,000 | 113,283,000 |
| Interest-bearing deposits | 81,839,000 | 80,270,000 | 76,705,000 | 88,342,000 |
| Noninterest-bearing deposits | 22,639,000 | 23,369,000 | 23,687,000 | 24,941,000 |
| Equity capital | 14,364,000 | 14,613,000 | 14,527,000 | 14,941,000 |
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 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,463,000 | 5,160,000 | 6,790,000 |
| Interest expense | 337,000 | 628,000 | 877,000 | 1,101,000 |
| Net interest income | 1,418,000 | 2,835,000 | 4,283,000 | 5,689,000 |
| Noninterest income | 452,000 | 906,000 | 1,353,000 | 1,794,000 |
| Noninterest expense | 1,330,000 | 2,724,000 | 4,157,000 | 5,459,000 |
| Provision for loan losses | 175,000 | 295,000 | 415,000 | 535,000 |
| Pretax income | 365,000 | 722,000 | 1,064,000 | 1,489,000 |
| Income tax | 99,000 | 196,000 | 265,000 | 371,000 |
| Net income | 266,000 | 526,000 | 799,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,311,000 | 14,579,000 | 14,492,000 | 14,916,000 |
| Total capital | 15,126,000 | 15,516,000 | 15,534,000 | 15,863,000 |
| Risk-weighted assets | 85,831,000 | 85,636,000 | 87,717,000 | 91,515,000 |