Call reports 2005
CITIZENS TRUST COMPANY — 2005
What CITIZENS 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 | 140,473,000 | 141,928,000 | 146,261,000 | 141,407,000 |
| Total loans | 58,441,000 | 60,205,000 | 59,994,000 | 59,168,000 |
| Allowance for loan losses | 666,000 | 647,000 | 647,000 | 617,000 |
| Securities available for sale | 70,397,000 | 68,454,000 | 68,861,000 | 68,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,146,000 | 95,955,000 | 98,837,000 | 95,207,000 |
| Interest-bearing deposits | 81,262,000 | 83,503,000 | 86,230,000 | 83,875,000 |
| Noninterest-bearing deposits | 10,884,000 | 12,452,000 | 12,607,000 | 11,332,000 |
| Equity capital | 17,746,000 | 17,945,000 | 17,966,000 | 17,433,000 |
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 | 1,739,000 | 3,525,000 | 5,380,000 | 7,225,000 |
| Interest expense | 875,000 | 1,765,000 | 2,682,000 | 3,626,000 |
| Net interest income | 864,000 | 1,760,000 | 2,698,000 | 3,599,000 |
| Noninterest income | 395,000 | 772,000 | 1,144,000 | 1,505,000 |
| Noninterest expense | 874,000 | 1,741,000 | 2,590,000 | 3,416,000 |
| Provision for loan losses | 12,000 | 24,000 | 24,000 | 0 |
| Pretax income | 373,000 | 767,000 | 1,228,000 | 1,688,000 |
| Income tax | 40,000 | 87,000 | 156,000 | 223,000 |
| Net income | 333,000 | 680,000 | 1,072,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,619,000 | 17,772,000 | 17,969,000 | 17,989,000 |
| Total capital | 18,285,000 | 18,419,000 | 18,616,000 | 18,606,000 |
| Risk-weighted assets | 64,535,000 | 65,720,000 | 66,093,000 | 65,313,000 |
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