Call reports 2003
CITIZENS BANK AND TRUST COMPANY — 2003
What CITIZENS BANK AND TRUST COMPANY 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 | 973,562,000 | 972,097,000 | 960,959,000 | 1,019,546,000 |
| Total loans | 551,204,000 | 562,527,000 | 572,649,000 | 625,619,000 |
| Allowance for loan losses | 8,837,000 | 8,428,000 | 8,251,000 | 7,984,000 |
| Securities available for sale | 365,151,000 | 348,746,000 | 326,437,000 | 321,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 695,417,000 | 693,425,000 | 691,941,000 | 764,462,000 |
| Interest-bearing deposits | 638,304,000 | 634,661,000 | 633,149,000 | 694,271,000 |
| Noninterest-bearing deposits | 57,113,000 | 58,764,000 | 58,792,000 | 70,191,000 |
| Equity capital | 78,542,000 | 80,840,000 | 78,649,000 | 79,725,000 |
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 | 13,027,000 | 25,359,000 | 36,638,000 | 48,487,000 |
| Interest expense | 5,028,000 | 9,744,000 | 14,074,000 | 18,287,000 |
| Net interest income | 7,999,000 | 15,615,000 | 22,564,000 | 30,200,000 |
| Noninterest income | 1,844,000 | 3,443,000 | 5,189,000 | 6,853,000 |
| Noninterest expense | 4,897,000 | 10,182,000 | 15,258,000 | 22,002,000 |
| Provision for loan losses | 320,000 | 341,000 | 397,000 | 438,000 |
| Pretax income | 4,632,000 | 8,541,000 | 12,104,000 | 14,620,000 |
| Income tax | 1,782,000 | 3,278,000 | 4,642,000 | 5,320,000 |
| Net income | 2,850,000 | 5,263,000 | 7,462,000 | 9,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,281,000 | 72,875,000 | 74,464,000 | 75,399,000 |
| Total capital | 78,292,000 | 80,274,000 | 81,869,000 | 83,694,000 |
| Risk-weighted assets | 559,033,000 | 590,870,000 | 591,545,000 | 652,617,000 |