Call reports 2005
CITIZENS BANK & TRUST COMPANY — 2005
What CITIZENS BANK & 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 | 255,951,000 | 263,306,000 | 267,056,000 | 272,745,000 |
| Total loans | 179,900,000 | 182,830,000 | 180,550,000 | 183,829,000 |
| Allowance for loan losses | 2,237,000 | 2,320,000 | 2,359,000 | 2,353,000 |
| Securities available for sale | 29,575,000 | 28,224,000 | 28,954,000 | 29,401,000 |
| Securities held to maturity | 28,851,000 | 30,756,000 | 32,970,000 | 35,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,313,000 | 231,293,000 | 234,961,000 | 239,841,000 |
| Interest-bearing deposits | 193,073,000 | 198,687,000 | 203,002,000 | 206,726,000 |
| Noninterest-bearing deposits | 32,240,000 | 32,606,000 | 31,959,000 | 33,115,000 |
| Equity capital | 27,314,000 | 28,493,000 | 28,454,000 | 28,367,000 |
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 | 3,601,000 | 7,391,000 | 11,387,000 | 15,530,000 |
| Interest expense | 765,000 | 1,642,000 | 2,723,000 | 3,971,000 |
| Net interest income | 2,836,000 | 5,749,000 | 8,664,000 | 11,559,000 |
| Noninterest income | 472,000 | 1,000,000 | 1,569,000 | 2,118,000 |
| Noninterest expense | 1,713,000 | 3,412,000 | 5,172,000 | 6,904,000 |
| Provision for loan losses | 105,000 | 205,000 | 295,000 | 385,000 |
| Pretax income | 1,490,000 | 3,132,000 | 4,766,000 | 6,388,000 |
| Income tax | 508,000 | 1,074,000 | 1,630,000 | 2,169,000 |
| Net income | 982,000 | 2,058,000 | 3,136,000 | 4,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,034,000 | 28,109,000 | 28,088,000 | 28,071,000 |
| Total capital | 29,200,000 | 30,326,000 | 30,324,000 | 30,325,000 |
| Risk-weighted assets | 172,420,000 | 177,142,000 | 178,728,000 | 180,274,000 |