Call reports 2003
CITIZENS TRI-COUNTY BANK — 2003
What CITIZENS TRI-COUNTY BANK 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 | 292,709,000 | 301,435,000 | 304,089,000 | 305,772,000 |
| Total loans | 198,802,000 | 195,228,000 | 197,665,000 | 202,637,000 |
| Allowance for loan losses | 2,814,000 | 2,849,000 | 2,785,000 | 2,812,000 |
| Securities available for sale | 38,974,000 | 58,621,000 | 62,963,000 | 61,992,000 |
| Securities held to maturity | 959,000 | 954,000 | 945,000 | 899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,695,000 | 274,013,000 | 276,898,000 | 277,259,000 |
| Interest-bearing deposits | 235,828,000 | 239,440,000 | 243,932,000 | 244,857,000 |
| Noninterest-bearing deposits | 30,867,000 | 34,573,000 | 32,966,000 | 32,402,000 |
| Equity capital | 23,635,000 | 24,760,000 | 25,147,000 | 25,791,000 |
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 | 4,891,000 | 9,921,000 | 15,074,000 | 20,277,000 |
| Interest expense | 1,658,000 | 3,365,000 | 4,988,000 | 6,501,000 |
| Net interest income | 3,233,000 | 6,556,000 | 10,086,000 | 13,776,000 |
| Noninterest income | 1,005,000 | 2,097,000 | 3,211,000 | 4,358,000 |
| Noninterest expense | 2,267,000 | 4,600,000 | 7,127,000 | 10,025,000 |
| Provision for loan losses | 230,000 | 425,000 | 657,000 | 899,000 |
| Pretax income | 1,741,000 | 3,628,000 | 5,513,000 | 7,210,000 |
| Income tax | 638,000 | 1,253,000 | 1,811,000 | 2,497,000 |
| Net income | 1,103,000 | 2,375,000 | 3,702,000 | 4,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,820,000 | 21,692,000 | 22,619,000 | 23,241,000 |
| Total capital | 23,250,000 | 24,101,000 | 25,078,000 | 25,771,000 |
| Risk-weighted assets | 194,039,000 | 192,261,000 | 196,424,000 | 202,114,000 |