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 | 124,048,000 | 123,043,000 | 123,204,000 | 135,763,000 |
| Total loans | 95,821,000 | 96,962,000 | 96,851,000 | 95,734,000 |
| Allowance for loan losses | 593,000 | 614,000 | 623,000 | 434,000 |
| Securities available for sale | 16,710,000 | 15,999,000 | 16,538,000 | 20,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,781,000 | 105,363,000 | 104,585,000 | 120,204,000 |
| Interest-bearing deposits | 91,163,000 | 91,890,000 | 90,872,000 | 104,995,000 |
| Noninterest-bearing deposits | 15,618,000 | 13,473,000 | 13,713,000 | 15,209,000 |
| Equity capital | 8,517,000 | 8,884,000 | 9,052,000 | 9,177,000 |
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 | 2,177,000 | 4,339,000 | 6,472,000 | 8,539,000 |
| Interest expense | 648,000 | 1,257,000 | 1,817,000 | 2,365,000 |
| Net interest income | 1,529,000 | 3,082,000 | 4,655,000 | 6,174,000 |
| Noninterest income | 357,000 | 744,000 | 1,182,000 | 1,578,000 |
| Noninterest expense | 1,387,000 | 2,729,000 | 4,116,000 | 5,523,000 |
| Provision for loan losses | 120,000 | 210,000 | 300,000 | 480,000 |
| Pretax income | 379,000 | 887,000 | 1,421,000 | 1,749,000 |
| Income tax | 132,000 | 323,000 | 531,000 | 654,000 |
| Net income | 247,000 | 564,000 | 890,000 | 1,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,287,000 | 8,604,000 | 8,771,000 | 8,896,000 |
| Total capital | 8,880,000 | 9,218,000 | 9,394,000 | 9,330,000 |
| Risk-weighted assets | 87,949,000 | 87,838,000 | 87,786,000 | 89,744,000 |