Call reports 2004
CITIZENS BANK & TRUST COMPANY — 2004
What CITIZENS BANK & 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 | 253,294,000 | 255,584,000 | 253,811,000 | 254,732,000 |
| Total loans | 168,411,000 | 169,243,000 | 172,556,000 | 176,009,000 |
| Allowance for loan losses | 1,882,000 | 1,999,000 | 1,998,000 | 2,131,000 |
| Securities available for sale | 40,248,000 | 36,873,000 | 33,294,000 | 30,601,000 |
| Securities held to maturity | 26,125,000 | 26,852,000 | 29,181,000 | 29,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,341,000 | 224,591,000 | 222,377,000 | 224,860,000 |
| Interest-bearing deposits | 192,412,000 | 195,014,000 | 192,546,000 | 195,211,000 |
| Noninterest-bearing deposits | 29,929,000 | 29,577,000 | 29,831,000 | 29,649,000 |
| Equity capital | 27,722,000 | 28,545,000 | 28,799,000 | 27,293,000 |
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 | 3,388,000 | 6,782,000 | 10,269,000 | 13,851,000 |
| Interest expense | 704,000 | 1,380,000 | 2,058,000 | 2,769,000 |
| Net interest income | 2,684,000 | 5,402,000 | 8,211,000 | 11,082,000 |
| Noninterest income | 460,000 | 923,000 | 1,455,000 | 1,917,000 |
| Noninterest expense | 1,697,000 | 3,366,000 | 5,074,000 | 6,694,000 |
| Provision for loan losses | 140,000 | 245,000 | 350,000 | 540,000 |
| Pretax income | 1,307,000 | 2,764,000 | 4,292,000 | 5,815,000 |
| Income tax | 434,000 | 934,000 | 1,455,000 | 2,001,000 |
| Net income | 873,000 | 1,830,000 | 2,837,000 | 3,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,111,000 | 28,068,000 | 28,274,000 | 26,852,000 |
| Total capital | 28,993,000 | 30,067,000 | 30,272,000 | 28,972,000 |
| Risk-weighted assets | 164,653,000 | 165,831,000 | 167,320,000 | 169,615,000 |