Call reports 2004
CITIZENS CITY AND COUNTY BANK — 2004
What CITIZENS CITY AND COUNTY BANK 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 | 26,375,000 | 25,967,000 | 26,575,000 | 27,824,000 |
| Total loans | 18,494,000 | 18,963,000 | 19,872,000 | 17,955,000 |
| Allowance for loan losses | 292,000 | 305,000 | 307,000 | 324,000 |
| Securities available for sale | 2,686,000 | 2,540,000 | 2,570,000 | 2,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,109,000 | 23,716,000 | 24,135,000 | 25,351,000 |
| Interest-bearing deposits | 22,919,000 | 22,463,000 | 22,557,000 | 23,464,000 |
| Noninterest-bearing deposits | 1,190,000 | 1,253,000 | 1,578,000 | 1,887,000 |
| Equity capital | 2,128,000 | 2,087,000 | 2,260,000 | 2,340,000 |
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 | 377,000 | 759,000 | 1,158,000 | 1,560,000 |
| Interest expense | 109,000 | 212,000 | 320,000 | 434,000 |
| Net interest income | 268,000 | 547,000 | 838,000 | 1,126,000 |
| Noninterest income | 68,000 | 128,000 | 193,000 | 255,000 |
| Noninterest expense | 301,000 | 583,000 | 842,000 | 1,096,000 |
| Provision for loan losses | 0 | 12,000 | 12,000 | 12,000 |
| Pretax income | 35,000 | 80,000 | 177,000 | 273,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 80,000 | 177,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,128,000 | 2,172,000 | 2,285,000 | 2,382,000 |
| Total capital | 2,367,000 | 2,410,000 | 2,526,000 | 2,617,000 |
| Risk-weighted assets | 19,098,000 | 18,956,000 | 19,208,000 | 18,709,000 |