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 | 50,539,000 | 51,855,000 | 52,063,000 | 50,129,000 |
| Total loans | 26,542,000 | 28,200,000 | 30,473,000 | 28,719,000 |
| Allowance for loan losses | 497,000 | 513,000 | 515,000 | 465,000 |
| Securities available for sale | 8,267,000 | 8,503,000 | 8,001,000 | 7,544,000 |
| Securities held to maturity | 9,761,000 | 9,961,000 | 9,955,000 | 10,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,252,000 | 39,117,000 | 38,730,000 | 38,946,000 |
| Interest-bearing deposits | 35,134,000 | 35,318,000 | 34,313,000 | 33,764,000 |
| Noninterest-bearing deposits | 4,117,000 | 3,799,000 | 4,417,000 | 5,182,000 |
| Equity capital | 7,579,000 | 7,634,000 | 7,787,000 | 7,399,000 |
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 | 714,000 | 1,458,000 | 2,220,000 | 2,981,000 |
| Interest expense | 224,000 | 464,000 | 722,000 | 994,000 |
| Net interest income | 490,000 | 994,000 | 1,498,000 | 1,987,000 |
| Noninterest income | 38,000 | 74,000 | 122,000 | 166,000 |
| Noninterest expense | 283,000 | 570,000 | 862,000 | 1,245,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 245,000 | 498,000 | 758,000 | 888,000 |
| Income tax | 40,000 | 81,000 | 127,000 | 128,000 |
| Net income | 205,000 | 417,000 | 631,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,619,000 | 7,530,000 | 7,745,000 | 7,449,000 |
| Total capital | 8,030,000 | 7,959,000 | 8,193,000 | 7,884,000 |
| Risk-weighted assets | 32,827,000 | 34,265,000 | 35,767,000 | 34,749,000 |