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 | 47,277,000 | 48,119,000 | 49,713,000 | 49,212,000 |
| Total loans | 24,833,000 | 26,336,000 | 27,031,000 | 25,241,000 |
| Allowance for loan losses | 422,000 | 423,000 | 554,000 | 515,000 |
| Securities available for sale | 8,644,000 | 8,351,000 | 8,903,000 | 8,906,000 |
| Securities held to maturity | 8,383,000 | 7,818,000 | 8,398,000 | 8,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,820,000 | 36,574,000 | 37,382,000 | 38,179,000 |
| Interest-bearing deposits | 32,767,000 | 33,463,000 | 33,827,000 | 34,742,000 |
| Noninterest-bearing deposits | 3,053,000 | 3,111,000 | 3,555,000 | 3,437,000 |
| Equity capital | 7,912,000 | 7,869,000 | 7,718,000 | 7,591,000 |
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 | 692,000 | 1,391,000 | 2,089,000 | 2,769,000 |
| Interest expense | 248,000 | 487,000 | 714,000 | 926,000 |
| Net interest income | 444,000 | 904,000 | 1,375,000 | 1,843,000 |
| Noninterest income | 39,000 | 69,000 | 109,000 | 150,000 |
| Noninterest expense | 261,000 | 545,000 | 820,000 | 1,133,000 |
| Provision for loan losses | 0 | 0 | 130,000 | 140,000 |
| Pretax income | 223,000 | 428,000 | 534,000 | 721,000 |
| Income tax | 43,000 | 69,000 | 83,000 | 113,000 |
| Net income | 180,000 | 359,000 | 451,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,550,000 | 7,429,000 | 7,521,000 | 7,377,000 |
| Total capital | 7,922,000 | 7,830,000 | 7,920,000 | 7,778,000 |
| Risk-weighted assets | 29,675,000 | 32,050,000 | 31,790,000 | 31,958,000 |