Call reports 2002
CITIZENS TRI-COUNTY BANK — 2002
What CITIZENS TRI-COUNTY BANK 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 | 232,675,000 | 238,171,000 | 245,627,000 | 276,695,000 |
| Total loans | 168,217,000 | 172,100,000 | 184,343,000 | 196,721,000 |
| Allowance for loan losses | 2,446,000 | 2,412,000 | 2,585,000 | 2,733,000 |
| Securities available for sale | 30,082,000 | 31,120,000 | 30,107,000 | 30,995,000 |
| Securities held to maturity | 1,064,000 | 739,000 | 730,000 | 1,122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,364,000 | 216,742,000 | 222,890,000 | 251,465,000 |
| Interest-bearing deposits | 189,740,000 | 191,657,000 | 199,475,000 | 221,730,000 |
| Noninterest-bearing deposits | 22,624,000 | 25,085,000 | 23,415,000 | 29,735,000 |
| Equity capital | 17,946,000 | 19,102,000 | 20,342,000 | 23,101,000 |
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 | 4,474,000 | 9,026,000 | 13,719,000 | 18,509,000 |
| Interest expense | 1,701,000 | 3,317,000 | 4,918,000 | 6,508,000 |
| Net interest income | 2,773,000 | 5,709,000 | 8,801,000 | 12,001,000 |
| Noninterest income | 841,000 | 1,797,000 | 2,799,000 | 3,853,000 |
| Noninterest expense | 1,860,000 | 3,787,000 | 5,837,000 | 8,463,000 |
| Provision for loan losses | 288,000 | 377,000 | 688,000 | 889,000 |
| Pretax income | 1,466,000 | 3,342,000 | 5,075,000 | 6,502,000 |
| Income tax | 449,000 | 1,122,000 | 1,737,000 | 2,328,000 |
| Net income | 1,017,000 | 2,220,000 | 3,338,000 | 4,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,468,000 | 18,370,000 | 19,488,000 | 20,217,000 |
| Total capital | 19,496,000 | 20,448,000 | 21,694,000 | 22,560,000 |
| Risk-weighted assets | 161,836,000 | 165,927,000 | 176,111,000 | 187,029,000 |