Call reports 2004
CITIZENS TRUST COMPANY — 2004
What CITIZENS 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 | 140,734,000 | 142,474,000 | 142,461,000 | 140,463,000 |
| Total loans | 63,190,000 | 61,230,000 | 61,032,000 | 58,885,000 |
| Allowance for loan losses | 659,000 | 682,000 | 713,000 | 654,000 |
| Securities available for sale | 69,082,000 | 70,823,000 | 66,903,000 | 70,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,731,000 | 96,030,000 | 95,287,000 | 92,728,000 |
| Interest-bearing deposits | 81,130,000 | 84,135,000 | 83,765,000 | 80,738,000 |
| Noninterest-bearing deposits | 10,601,000 | 11,895,000 | 11,522,000 | 11,990,000 |
| Equity capital | 17,858,000 | 16,889,000 | 17,850,000 | 17,886,000 |
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 | 1,866,000 | 3,711,000 | 5,530,000 | 7,314,000 |
| Interest expense | 824,000 | 1,651,000 | 2,502,000 | 3,371,000 |
| Net interest income | 1,042,000 | 2,060,000 | 3,028,000 | 3,943,000 |
| Noninterest income | 302,000 | 625,000 | 989,000 | 1,344,000 |
| Noninterest expense | 872,000 | 1,724,000 | 2,563,000 | 3,447,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 144,000 |
| Pretax income | 469,000 | 928,000 | 1,421,000 | 1,753,000 |
| Income tax | 78,000 | 156,000 | 238,000 | 222,000 |
| Net income | 391,000 | 772,000 | 1,183,000 | 1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,974,000 | 17,166,000 | 17,381,000 | 17,482,000 |
| Total capital | 17,633,000 | 17,848,000 | 18,094,000 | 18,136,000 |
| Risk-weighted assets | 63,368,000 | 63,553,000 | 66,511,000 | 65,090,000 |