Call reports 2005
CITIZENS BANK AND TRUST COMPANY — 2005
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 130,126,000 | 131,104,000 | 136,121,000 | 146,193,000 |
| Total loans | 98,452,000 | 98,005,000 | 101,588,000 | 104,357,000 |
| Allowance for loan losses | 1,427,000 | 1,449,000 | 1,454,000 | 1,466,000 |
| Securities available for sale | 1,697,000 | 1,645,000 | 1,597,000 | 1,555,000 |
| Securities held to maturity | 4,322,000 | 4,591,000 | 6,591,000 | 6,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,984,000 | 113,186,000 | 117,690,000 | 126,828,000 |
| Interest-bearing deposits | 85,049,000 | 84,355,000 | 81,409,000 | 88,244,000 |
| Noninterest-bearing deposits | 26,935,000 | 28,832,000 | 36,281,000 | 38,584,000 |
| Equity capital | 15,427,000 | 15,681,000 | 15,849,000 | 16,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,586,000 | 5,544,000 | 7,621,000 |
| Interest expense | 332,000 | 723,000 | 1,131,000 | 1,570,000 |
| Net interest income | 1,423,000 | 2,863,000 | 4,413,000 | 6,051,000 |
| Noninterest income | 543,000 | 1,037,000 | 1,507,000 | 2,194,000 |
| Noninterest expense | 1,558,000 | 3,086,000 | 4,549,000 | 6,171,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 135,000 |
| Pretax income | 378,000 | 754,000 | 1,281,000 | 1,939,000 |
| Income tax | 110,000 | 233,000 | 388,000 | 594,000 |
| Net income | 268,000 | 521,000 | 893,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,423,000 | 15,676,000 | 15,848,000 | 16,262,000 |
| Total capital | 16,653,000 | 16,909,000 | 17,112,000 | 17,592,000 |
| Risk-weighted assets | 98,186,000 | 98,653,000 | 100,935,000 | 106,275,000 |