Call reports 2004
CITIZENS BANK AND TRUST COMPANY — 2004
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 119,258,000 | 122,028,000 | 118,753,000 | 128,392,000 |
| Total loans | 90,506,000 | 90,142,000 | 95,440,000 | 95,969,000 |
| Allowance for loan losses | 1,094,000 | 1,215,000 | 1,303,000 | 1,378,000 |
| Securities available for sale | 3,110,000 | 1,915,000 | 1,807,000 | 1,755,000 |
| Securities held to maturity | 5,512,000 | 6,458,000 | 7,423,000 | 4,414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,566,000 | 105,192,000 | 100,142,000 | 111,000,000 |
| Interest-bearing deposits | 78,138,000 | 77,931,000 | 73,966,000 | 83,791,000 |
| Noninterest-bearing deposits | 24,428,000 | 27,261,000 | 26,176,000 | 27,209,000 |
| Equity capital | 14,977,000 | 15,166,000 | 15,344,000 | 15,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,202,000 | 4,874,000 | 6,567,000 |
| Interest expense | 208,000 | 422,000 | 666,000 | 928,000 |
| Net interest income | 1,418,000 | 2,780,000 | 4,208,000 | 5,639,000 |
| Noninterest income | 391,000 | 842,000 | 1,493,000 | 2,059,000 |
| Noninterest expense | 1,349,000 | 2,760,000 | 4,194,000 | 5,764,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 340,000 | 622,000 | 1,147,000 | 1,454,000 |
| Income tax | 99,000 | 179,000 | 337,000 | 503,000 |
| Net income | 241,000 | 443,000 | 810,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,957,000 | 15,159,000 | 15,336,000 | 15,355,000 |
| Total capital | 16,051,000 | 16,311,000 | 16,524,000 | 16,565,000 |
| Risk-weighted assets | 90,699,000 | 92,101,000 | 94,966,000 | 96,817,000 |