Call reports 2004
CITIZENS TRI-COUNTY BANK — 2004
What CITIZENS TRI-COUNTY BANK 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 | 310,456,000 | 306,228,000 | 306,182,000 | 306,702,000 |
| Total loans | 206,558,000 | 205,966,000 | 209,884,000 | 211,152,000 |
| Allowance for loan losses | 2,745,000 | 2,964,000 | 2,856,000 | 2,676,000 |
| Securities available for sale | 65,360,000 | 58,849,000 | 59,084,000 | 62,409,000 |
| Securities held to maturity | 890,000 | 884,000 | 880,000 | 877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,668,000 | 276,564,000 | 274,824,000 | 275,500,000 |
| Interest-bearing deposits | 246,502,000 | 240,654,000 | 239,670,000 | 239,337,000 |
| Noninterest-bearing deposits | 34,166,000 | 35,910,000 | 35,154,000 | 36,163,000 |
| Equity capital | 26,622,000 | 26,625,000 | 28,098,000 | 28,942,000 |
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 | 5,063,000 | 10,170,000 | 15,268,000 | 20,598,000 |
| Interest expense | 1,391,000 | 2,743,000 | 4,076,000 | 5,418,000 |
| Net interest income | 3,672,000 | 7,427,000 | 11,192,000 | 15,180,000 |
| Noninterest income | 1,130,000 | 2,375,000 | 3,610,000 | 4,898,000 |
| Noninterest expense | 2,662,000 | 5,325,000 | 8,029,000 | 10,829,000 |
| Provision for loan losses | 241,000 | 643,000 | 806,000 | 1,006,000 |
| Pretax income | 1,899,000 | 3,834,000 | 5,967,000 | 8,243,000 |
| Income tax | 667,000 | 1,351,000 | 2,113,000 | 2,881,000 |
| Net income | 1,232,000 | 2,483,000 | 3,854,000 | 5,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,114,000 | 24,965,000 | 25,836,000 | 26,545,000 |
| Total capital | 26,685,000 | 27,549,000 | 28,414,000 | 29,164,000 |
| Risk-weighted assets | 205,471,000 | 206,313,000 | 205,924,000 | 209,684,000 |