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 | 48,124,000 | 47,431,000 | 48,635,000 | 48,014,000 |
| Total loans | 24,050,000 | 25,090,000 | 26,328,000 | 25,227,000 |
| Allowance for loan losses | 442,000 | 430,000 | 433,000 | 416,000 |
| Securities available for sale | 9,479,000 | 9,907,000 | 9,859,000 | 9,686,000 |
| Securities held to maturity | 7,656,000 | 7,622,000 | 7,737,000 | 7,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,038,000 | 35,256,000 | 36,496,000 | 36,649,000 |
| Interest-bearing deposits | 33,795,000 | 32,222,000 | 33,039,000 | 33,108,000 |
| Noninterest-bearing deposits | 3,243,000 | 3,034,000 | 3,457,000 | 3,541,000 |
| Equity capital | 7,607,000 | 7,917,000 | 7,962,000 | 7,760,000 |
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 | 750,000 | 1,467,000 | 2,210,000 | 2,938,000 |
| Interest expense | 328,000 | 632,000 | 925,000 | 1,202,000 |
| Net interest income | 422,000 | 835,000 | 1,285,000 | 1,736,000 |
| Noninterest income | 31,000 | 62,000 | 115,000 | 161,000 |
| Noninterest expense | 269,000 | 517,000 | 764,000 | 1,078,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 184,000 | 380,000 | 638,000 | 815,000 |
| Income tax | 36,000 | 75,000 | 135,000 | 168,000 |
| Net income | 148,000 | 305,000 | 503,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,495,000 | 7,653,000 | 7,551,000 | 7,370,000 |
| Total capital | 7,852,000 | 8,022,000 | 7,941,000 | 7,748,000 |
| Risk-weighted assets | 28,467,000 | 29,433,000 | 31,163,000 | 30,195,000 |