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 | 143,839,000 | 147,558,000 | 148,384,000 | 154,291,000 |
| Total loans | 96,326,000 | 98,592,000 | 103,251,000 | 113,393,000 |
| Allowance for loan losses | 717,000 | 727,000 | 698,000 | 756,000 |
| Securities available for sale | 33,702,000 | 30,184,000 | 29,624,000 | 24,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,360,000 | 130,855,000 | 124,201,000 | 135,781,000 |
| Interest-bearing deposits | 104,175,000 | 110,036,000 | 103,663,000 | 115,387,000 |
| Noninterest-bearing deposits | 20,185,000 | 20,819,000 | 20,538,000 | 20,394,000 |
| Equity capital | 9,777,000 | 9,653,000 | 10,009,000 | 10,255,000 |
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 | 1,902,000 | 3,785,000 | 5,764,000 | 7,810,000 |
| Interest expense | 428,000 | 826,000 | 1,214,000 | 1,671,000 |
| Net interest income | 1,474,000 | 2,959,000 | 4,550,000 | 6,139,000 |
| Noninterest income | 418,000 | 894,000 | 1,292,000 | 1,840,000 |
| Noninterest expense | 1,405,000 | 2,845,000 | 4,402,000 | 5,998,000 |
| Provision for loan losses | 55,000 | 115,000 | 180,000 | 255,000 |
| Pretax income | 432,000 | 893,000 | 1,260,000 | 1,746,000 |
| Income tax | 148,000 | 323,000 | 465,000 | 647,000 |
| Net income | 284,000 | 570,000 | 795,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,627,000 | 9,833,000 | 9,979,000 | 10,283,000 |
| Total capital | 10,344,000 | 10,560,000 | 10,677,000 | 11,039,000 |
| Risk-weighted assets | 92,386,000 | 95,843,000 | 98,868,000 | 106,870,000 |