Call reports 2003
CITIZENS BANK & TRUST COMPANY — 2003
What CITIZENS BANK & 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 | 233,403,000 | 239,275,000 | 234,683,000 | 253,798,000 |
| Total loans | 158,649,000 | 158,319,000 | 159,230,000 | 161,176,000 |
| Allowance for loan losses | 1,876,000 | 1,775,000 | 2,000,000 | 1,754,000 |
| Securities available for sale | 39,637,000 | 37,175,000 | 34,638,000 | 36,292,000 |
| Securities held to maturity | 17,280,000 | 20,982,000 | 20,864,000 | 28,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,336,000 | 209,975,000 | 205,292,000 | 223,571,000 |
| Interest-bearing deposits | 176,667,000 | 180,299,000 | 178,447,000 | 195,511,000 |
| Noninterest-bearing deposits | 27,669,000 | 29,676,000 | 26,845,000 | 28,060,000 |
| Equity capital | 25,987,000 | 26,844,000 | 26,890,000 | 27,672,000 |
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 | 3,472,000 | 7,079,000 | 10,558,000 | 13,896,000 |
| Interest expense | 873,000 | 1,720,000 | 2,508,000 | 3,257,000 |
| Net interest income | 2,599,000 | 5,359,000 | 8,050,000 | 10,639,000 |
| Noninterest income | 355,000 | 762,000 | 1,183,000 | 1,618,000 |
| Noninterest expense | 1,634,000 | 3,363,000 | 5,133,000 | 6,838,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,215,000 | 2,548,000 | 3,785,000 | 4,999,000 |
| Income tax | 398,000 | 834,000 | 1,234,000 | 1,636,000 |
| Net income | 817,000 | 1,714,000 | 2,551,000 | 3,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,291,000 | 26,189,000 | 26,225,000 | 27,038,000 |
| Total capital | 27,167,000 | 27,964,000 | 28,159,000 | 28,792,000 |
| Risk-weighted assets | 153,149,000 | 154,057,000 | 154,671,000 | 164,688,000 |