Call reports 2005
CITIZENS TRI-COUNTY BANK — 2005
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 311,872,000 | 344,170,000 | 349,442,000 | 352,922,000 |
| Total loans | 211,580,000 | 229,648,000 | 231,920,000 | 235,053,000 |
| Allowance for loan losses | 2,580,000 | 2,540,000 | 2,738,000 | 2,669,000 |
| Securities available for sale | 61,013,000 | 63,707,000 | 66,110,000 | 65,640,000 |
| Securities held to maturity | 871,000 | 751,000 | 748,000 | 744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,227,000 | 311,853,000 | 316,201,000 | 319,661,000 |
| Interest-bearing deposits | 245,544,000 | 269,037,000 | 271,027,000 | 272,011,000 |
| Noninterest-bearing deposits | 35,683,000 | 42,816,000 | 45,174,000 | 47,650,000 |
| Equity capital | 28,249,000 | 29,412,000 | 29,508,000 | 29,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,143,000 | 10,526,000 | 16,431,000 | 22,544,000 |
| Interest expense | 1,399,000 | 2,949,000 | 4,700,000 | 6,572,000 |
| Net interest income | 3,744,000 | 7,577,000 | 11,731,000 | 15,972,000 |
| Noninterest income | 1,112,000 | 2,262,000 | 3,606,000 | 4,965,000 |
| Noninterest expense | 2,619,000 | 5,378,000 | 8,724,000 | 11,898,000 |
| Provision for loan losses | 94,000 | 353,000 | 756,000 | 1,058,000 |
| Pretax income | 2,143,000 | 4,108,000 | 5,857,000 | 7,981,000 |
| Income tax | 320,000 | 693,000 | 1,068,000 | 1,295,000 |
| Net income | 1,823,000 | 3,415,000 | 4,789,000 | 6,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,377,000 | 25,623,000 | 25,737,000 | 26,643,000 |
| Total capital | 28,957,000 | 28,163,000 | 28,475,000 | 29,312,000 |
| Risk-weighted assets | 211,381,000 | 231,675,000 | 235,448,000 | 238,495,000 |