Call reports 2003
CITIZENS CITY AND COUNTY BANK — 2003
What CITIZENS CITY AND COUNTY BANK 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 | 26,078,000 | 26,522,000 | 25,668,000 | 26,484,000 |
| Total loans | 17,769,000 | 18,509,000 | 19,238,000 | 17,899,000 |
| Allowance for loan losses | 501,000 | 390,000 | 383,000 | 331,000 |
| Securities available for sale | 4,065,000 | 3,068,000 | 2,864,000 | 2,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,879,000 | 24,328,000 | 23,460,000 | 24,271,000 |
| Interest-bearing deposits | 22,287,000 | 22,946,000 | 22,176,000 | 22,870,000 |
| Noninterest-bearing deposits | 1,592,000 | 1,382,000 | 1,284,000 | 1,401,000 |
| Equity capital | 2,019,000 | 2,036,000 | 2,018,000 | 2,065,000 |
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 | 389,000 | 781,000 | 1,183,000 | 1,570,000 |
| Interest expense | 155,000 | 307,000 | 444,000 | 566,000 |
| Net interest income | 234,000 | 474,000 | 739,000 | 1,004,000 |
| Noninterest income | 62,000 | 121,000 | 183,000 | 253,000 |
| Noninterest expense | 299,000 | 573,000 | 875,000 | 1,164,000 |
| Provision for loan losses | 55,000 | 85,000 | 85,000 | 85,000 |
| Pretax income | -58,000 | -63,000 | -38,000 | 8,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -58,000 | -63,000 | -38,000 | 8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,995,000 | 2,021,000 | 2,046,000 | 2,092,000 |
| Total capital | 2,226,000 | 2,257,000 | 2,284,000 | 2,325,000 |
| Risk-weighted assets | 18,228,000 | 18,744,000 | 18,893,000 | 18,571,000 |