Call reports 2002
CITIZENS TRUST COMPANY — 2002
What CITIZENS 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 | 137,631,000 | 148,030,000 | 134,999,000 | 134,918,000 |
| Total loans | 68,765,000 | 67,247,000 | 67,868,000 | 66,788,000 |
| Allowance for loan losses | 500,000 | 531,000 | 540,000 | 559,000 |
| Securities available for sale | 53,777,000 | 55,326,000 | 52,699,000 | 57,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,922,000 | 97,360,000 | 87,637,000 | 87,551,000 |
| Interest-bearing deposits | 77,197,000 | 79,215,000 | 75,192,000 | 75,232,000 |
| Noninterest-bearing deposits | 13,725,000 | 18,145,000 | 12,445,000 | 12,319,000 |
| Equity capital | 15,790,000 | 16,138,000 | 16,831,000 | 16,856,000 |
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 | 2,146,000 | 4,316,000 | 6,432,000 | 8,412,000 |
| Interest expense | 982,000 | 1,975,000 | 2,945,000 | 3,898,000 |
| Net interest income | 1,164,000 | 2,341,000 | 3,487,000 | 4,514,000 |
| Noninterest income | 250,000 | 505,000 | 774,000 | 1,023,000 |
| Noninterest expense | 893,000 | 1,935,000 | 2,819,000 | 3,671,000 |
| Provision for loan losses | 12,000 | 43,000 | 69,000 | 84,000 |
| Pretax income | 509,000 | 868,000 | 1,373,000 | 1,778,000 |
| Income tax | 103,000 | 154,000 | 252,000 | 326,000 |
| Net income | 406,000 | 714,000 | 1,121,000 | 1,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,422,000 | 15,559,000 | 15,967,000 | 16,084,000 |
| Total capital | 15,922,000 | 16,090,000 | 16,507,000 | 16,643,000 |
| Risk-weighted assets | 62,587,000 | 64,205,000 | 62,608,000 | 62,068,000 |