Call reports 2002
CITIZENS BANK AND TRUST COMPANY — 2002
What CITIZENS BANK AND TRUST COMPANY 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 | 910,022,000 | 923,655,000 | 901,221,000 | 929,506,000 |
| Total loans | 520,116,000 | 548,348,000 | 551,531,000 | 551,475,000 |
| Allowance for loan losses | 7,594,000 | 7,917,000 | 8,251,000 | 8,642,000 |
| Securities available for sale | 334,364,000 | 321,678,000 | 286,035,000 | 314,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 655,898,000 | 632,788,000 | 649,895,000 | 658,973,000 |
| Interest-bearing deposits | 602,781,000 | 580,025,000 | 600,007,000 | 597,304,000 |
| Noninterest-bearing deposits | 53,117,000 | 52,763,000 | 49,888,000 | 61,669,000 |
| Equity capital | 75,643,000 | 79,184,000 | 82,621,000 | 81,788,000 |
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 | 14,534,000 | 28,720,000 | 42,902,000 | 56,653,000 |
| Interest expense | 6,474,000 | 12,677,000 | 18,569,000 | 24,031,000 |
| Net interest income | 8,060,000 | 16,043,000 | 24,333,000 | 32,622,000 |
| Noninterest income | 1,100,000 | 2,365,000 | 3,531,000 | 4,593,000 |
| Noninterest expense | 4,524,000 | 10,335,000 | 14,847,000 | 20,738,000 |
| Provision for loan losses | 390,000 | 720,000 | 1,330,000 | 1,928,000 |
| Pretax income | 4,246,000 | 7,353,000 | 11,305,000 | 14,176,000 |
| Income tax | 1,583,000 | 2,755,000 | 4,267,000 | 5,454,000 |
| Net income | 2,663,000 | 4,598,000 | 7,038,000 | 8,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,782,000 | 71,123,000 | 73,585,000 | 74,278,000 |
| Total capital | 76,389,000 | 78,131,000 | 80,577,000 | 81,287,000 |
| Risk-weighted assets | 527,565,000 | 559,759,000 | 558,094,000 | 559,114,000 |