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 | 138,075,000 | 135,047,000 | 134,623,000 | 138,596,000 |
| Total loans | 96,012,000 | 92,886,000 | 93,264,000 | 95,498,000 |
| Allowance for loan losses | 495,000 | 704,000 | 703,000 | 700,000 |
| Securities available for sale | 25,468,000 | 26,027,000 | 28,083,000 | 29,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,673,000 | 119,726,000 | 118,906,000 | 123,835,000 |
| Interest-bearing deposits | 105,352,000 | 103,366,000 | 101,117,000 | 105,284,000 |
| Noninterest-bearing deposits | 17,321,000 | 16,360,000 | 17,789,000 | 18,551,000 |
| Equity capital | 9,186,000 | 9,080,000 | 9,278,000 | 9,496,000 |
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 | 1,964,000 | 3,818,000 | 5,646,000 | 7,535,000 |
| Interest expense | 548,000 | 1,053,000 | 1,519,000 | 1,953,000 |
| Net interest income | 1,416,000 | 2,765,000 | 4,127,000 | 5,582,000 |
| Noninterest income | 387,000 | 784,000 | 1,228,000 | 1,687,000 |
| Noninterest expense | 1,365,000 | 2,745,000 | 4,103,000 | 5,463,000 |
| Provision for loan losses | 150,000 | 526,000 | 556,000 | 616,000 |
| Pretax income | 288,000 | 286,000 | 704,000 | 1,201,000 |
| Income tax | 102,000 | 115,000 | 190,000 | 354,000 |
| Net income | 186,000 | 171,000 | 514,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,002,000 | 8,906,000 | 9,150,000 | 9,423,000 |
| Total capital | 9,497,000 | 9,610,000 | 9,853,000 | 10,123,000 |
| Risk-weighted assets | 90,013,000 | 87,146,000 | 87,154,000 | 90,070,000 |