Call reports 2005
CITIZENS BANK AND TRUST COMPANY — 2005
What CITIZENS BANK AND TRUST COMPANY 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 | 1,031,693,000 | 1,049,462,000 | 1,034,950,000 | 1,027,841,000 |
| Total loans | 630,638,000 | 645,529,000 | 646,122,000 | 665,483,000 |
| Allowance for loan losses | 7,926,000 | 8,191,000 | 8,308,000 | 8,348,000 |
| Securities available for sale | 331,849,000 | 330,031,000 | 313,834,000 | 271,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 789,703,000 | 792,224,000 | 798,765,000 | 817,085,000 |
| Interest-bearing deposits | 732,035,000 | 735,758,000 | 749,916,000 | 781,863,000 |
| Noninterest-bearing deposits | 57,668,000 | 56,466,000 | 48,849,000 | 35,222,000 |
| Equity capital | 77,926,000 | 77,375,000 | 75,122,000 | 72,345,000 |
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 | 12,423,000 | 25,418,000 | 38,666,000 | 52,240,000 |
| Interest expense | 5,319,000 | 11,419,000 | 18,224,000 | 25,739,000 |
| Net interest income | 7,104,000 | 13,999,000 | 20,442,000 | 26,501,000 |
| Noninterest income | 1,859,000 | 4,015,000 | 6,038,000 | 7,906,000 |
| Noninterest expense | 5,555,000 | 11,101,000 | 17,271,000 | 24,807,000 |
| Provision for loan losses | 123,000 | 262,000 | 473,000 | 657,000 |
| Pretax income | 3,385,000 | 6,750,000 | 8,822,000 | 8,733,000 |
| Income tax | 1,162,000 | 2,017,000 | 2,504,000 | 2,115,000 |
| Net income | 2,223,000 | 4,733,000 | 6,318,000 | 6,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,833,000 | 72,741,000 | 71,879,000 | 69,893,000 |
| Total capital | 83,029,000 | 81,240,000 | 80,384,000 | 78,505,000 |
| Risk-weighted assets | 676,125,000 | 701,275,000 | 709,213,000 | 724,336,000 |