Call reports 2002
CITIZENS BANK & TRUST COMPANY — 2002
What CITIZENS BANK & 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 | 216,032,000 | 218,684,000 | 221,034,000 | 226,797,000 |
| Total loans | 146,977,000 | 151,672,000 | 157,745,000 | 157,114,000 |
| Allowance for loan losses | 1,590,000 | 1,595,000 | 1,714,000 | 1,941,000 |
| Securities available for sale | 27,623,000 | 27,481,000 | 26,902,000 | 32,217,000 |
| Securities held to maturity | 23,288,000 | 22,085,000 | 19,686,000 | 18,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,039,000 | 192,324,000 | 193,392,000 | 198,376,000 |
| Interest-bearing deposits | 165,665,000 | 168,283,000 | 169,152,000 | 176,240,000 |
| Noninterest-bearing deposits | 23,374,000 | 24,041,000 | 24,240,000 | 22,136,000 |
| Equity capital | 24,339,000 | 23,974,000 | 24,908,000 | 25,731,000 |
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 | 3,700,000 | 7,367,000 | 10,982,000 | 14,598,000 |
| Interest expense | 1,136,000 | 2,155,000 | 3,128,000 | 4,077,000 |
| Net interest income | 2,564,000 | 5,212,000 | 7,854,000 | 10,521,000 |
| Noninterest income | 382,000 | 735,000 | 1,091,000 | 1,527,000 |
| Noninterest expense | 1,617,000 | 3,226,000 | 4,850,000 | 6,484,000 |
| Provision for loan losses | 90,000 | 180,000 | 370,000 | 610,000 |
| Pretax income | 1,242,000 | 2,544,000 | 3,728,000 | 4,957,000 |
| Income tax | 401,000 | 814,000 | 1,158,000 | 1,546,000 |
| Net income | 841,000 | 1,730,000 | 2,570,000 | 3,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,904,000 | 23,294,000 | 24,134,000 | 24,974,000 |
| Total capital | 25,494,000 | 24,889,000 | 25,848,000 | 26,844,000 |
| Risk-weighted assets | 145,537,000 | 145,205,000 | 149,824,000 | 149,515,000 |