Call reports 2002
CITIZENS BANK — 2002
What CITIZENS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 242,278,000 | 236,941,000 | 229,981,000 | 226,554,000 |
| Total loans | 109,775,000 | 105,874,000 | 106,542,000 | 103,847,000 |
| Allowance for loan losses | 1,046,000 | 1,529,000 | 1,071,000 | 1,014,000 |
| Securities available for sale | 28,162,000 | 26,785,000 | 22,656,000 | 20,100,000 |
| Securities held to maturity | 42,556,000 | 43,879,000 | 42,872,000 | 38,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,790,000 | 207,829,000 | 200,613,000 | 197,744,000 |
| Interest-bearing deposits | 175,452,000 | 167,794,000 | 160,676,000 | 158,189,000 |
| Noninterest-bearing deposits | 38,338,000 | 40,035,000 | 39,937,000 | 39,555,000 |
| Equity capital | 27,351,000 | 27,789,000 | 28,037,000 | 27,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,655,000 | 7,207,000 | 10,591,000 | 13,749,000 |
| Interest expense | 1,182,000 | 2,202,000 | 3,121,000 | 3,913,000 |
| Net interest income | 2,473,000 | 5,005,000 | 7,470,000 | 9,836,000 |
| Noninterest income | 474,000 | 980,000 | 1,502,000 | 2,010,000 |
| Noninterest expense | 2,107,000 | 4,256,000 | 6,393,000 | 8,605,000 |
| Provision for loan losses | 500,000 | 1,125,000 | 1,200,000 | 1,450,000 |
| Pretax income | 340,000 | 604,000 | 1,379,000 | 1,791,000 |
| Income tax | 107,000 | 251,000 | 488,000 | 622,000 |
| Net income | 233,000 | 353,000 | 891,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,117,000 | 27,237,000 | 27,469,000 | 26,998,000 |
| Total capital | 28,163,000 | 28,690,000 | 28,540,000 | 28,012,000 |
| Risk-weighted assets | 120,630,000 | 116,154,000 | 116,208,000 | 114,316,000 |
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