Call reports 2004
CITIZENS BANK AND TRUST COMPANY — 2004
What CITIZENS BANK AND TRUST COMPANY 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 | 1,012,716,000 | 1,017,687,000 | 1,002,601,000 | 1,033,451,000 |
| Total loans | 648,499,000 | 631,591,000 | 629,154,000 | 630,053,000 |
| Allowance for loan losses | 8,058,000 | 8,082,000 | 8,151,000 | 8,167,000 |
| Securities available for sale | 305,982,000 | 321,477,000 | 311,631,000 | 332,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,627,000 | 751,815,000 | 755,026,000 | 799,586,000 |
| Interest-bearing deposits | 694,449,000 | 706,218,000 | 702,423,000 | 750,322,000 |
| Noninterest-bearing deposits | 67,178,000 | 45,597,000 | 52,603,000 | 49,264,000 |
| Equity capital | 83,379,000 | 77,871,000 | 81,987,000 | 80,456,000 |
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 | 11,970,000 | 23,617,000 | 35,453,000 | 47,485,000 |
| Interest expense | 4,219,000 | 8,391,000 | 12,785,000 | 17,571,000 |
| Net interest income | 7,751,000 | 15,226,000 | 22,668,000 | 29,914,000 |
| Noninterest income | 2,113,000 | 3,750,000 | 5,419,000 | 6,998,000 |
| Noninterest expense | 5,403,000 | 10,742,000 | 16,910,000 | 23,637,000 |
| Provision for loan losses | 98,000 | 241,000 | 418,000 | 581,000 |
| Pretax income | 4,360,000 | 8,004,000 | 10,770,000 | 12,343,000 |
| Income tax | 1,580,000 | 3,040,000 | 3,813,000 | 3,962,000 |
| Net income | 2,780,000 | 4,964,000 | 6,957,000 | 8,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,721,000 | 74,998,000 | 76,186,000 | 74,918,000 |
| Total capital | 85,454,000 | 83,169,000 | 84,846,000 | 83,803,000 |
| Risk-weighted assets | 670,042,000 | 667,115,000 | 658,551,000 | 672,704,000 |