Call reports 2003
CITIZENS TRUST COMPANY — 2003
What CITIZENS 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 | 137,280,000 | 135,241,000 | 133,205,000 | 139,024,000 |
| Total loans | 65,265,000 | 62,451,000 | 61,645,000 | 62,202,000 |
| Allowance for loan losses | 590,000 | 620,000 | 626,000 | 629,000 |
| Securities available for sale | 58,326,000 | 61,709,000 | 62,764,000 | 68,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,557,000 | 87,510,000 | 85,738,000 | 92,384,000 |
| Interest-bearing deposits | 76,190,000 | 76,387,000 | 74,113,000 | 79,864,000 |
| Noninterest-bearing deposits | 13,367,000 | 11,123,000 | 11,625,000 | 12,520,000 |
| Equity capital | 17,282,000 | 17,536,000 | 16,888,000 | 17,371,000 |
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 | 1,903,000 | 3,743,000 | 5,542,000 | 7,413,000 |
| Interest expense | 887,000 | 1,762,000 | 2,614,000 | 3,462,000 |
| Net interest income | 1,016,000 | 1,981,000 | 2,928,000 | 3,951,000 |
| Noninterest income | 241,000 | 497,000 | 782,000 | 1,054,000 |
| Noninterest expense | 772,000 | 1,548,000 | 2,322,000 | 3,104,000 |
| Provision for loan losses | 30,000 | 60,000 | 97,000 | 100,000 |
| Pretax income | 455,000 | 870,000 | 1,291,000 | 1,801,000 |
| Income tax | 77,000 | 139,000 | 217,000 | 335,000 |
| Net income | 378,000 | 731,000 | 1,074,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,264,000 | 16,415,000 | 16,569,000 | 16,772,000 |
| Total capital | 16,854,000 | 17,035,000 | 17,195,000 | 17,401,000 |
| Risk-weighted assets | 62,279,000 | 60,268,000 | 60,229,000 | 61,492,000 |