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 | 48,622,000 | 49,038,000 | 50,068,000 | 50,674,000 |
| Total loans | 23,845,000 | 25,960,000 | 27,624,000 | 26,986,000 |
| Allowance for loan losses | 516,000 | 517,000 | 518,000 | 494,000 |
| Securities available for sale | 9,262,000 | 8,653,000 | 8,774,000 | 8,308,000 |
| Securities held to maturity | 8,618,000 | 8,874,000 | 8,777,000 | 9,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,315,000 | 37,745,000 | 38,410,000 | 39,369,000 |
| Interest-bearing deposits | 33,772,000 | 33,821,000 | 34,737,000 | 35,387,000 |
| Noninterest-bearing deposits | 3,543,000 | 3,924,000 | 3,673,000 | 3,982,000 |
| Equity capital | 7,831,000 | 7,362,000 | 7,756,000 | 7,499,000 |
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 | 657,000 | 1,323,000 | 2,028,000 | 2,738,000 |
| Interest expense | 204,000 | 415,000 | 629,000 | 845,000 |
| Net interest income | 453,000 | 908,000 | 1,399,000 | 1,893,000 |
| Noninterest income | 27,000 | 70,000 | 117,000 | 165,000 |
| Noninterest expense | 279,000 | 552,000 | 844,000 | 1,204,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 201,000 | 426,000 | 675,000 | 822,000 |
| Income tax | 34,000 | 75,000 | 123,000 | 136,000 |
| Net income | 167,000 | 351,000 | 552,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,544,000 | 7,429,000 | 7,630,000 | 7,414,000 |
| Total capital | 7,925,000 | 7,836,000 | 8,040,000 | 7,824,000 |
| Risk-weighted assets | 30,317,000 | 32,424,000 | 32,711,000 | 32,688,000 |