Call reports 2003
CITIZENS BANK — 2003
What CITIZENS 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 | 228,791,000 | 218,301,000 | 216,021,000 | 211,324,000 |
| Total loans | 98,337,000 | 92,803,000 | 91,360,000 | 94,489,000 |
| Allowance for loan losses | 1,103,000 | 1,182,000 | 1,150,000 | 1,166,000 |
| Securities available for sale | 17,477,000 | 14,561,000 | 14,285,000 | 15,122,000 |
| Securities held to maturity | 41,250,000 | 43,595,000 | 42,195,000 | 45,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,049,000 | 190,093,000 | 187,271,000 | 182,529,000 |
| Interest-bearing deposits | 158,803,000 | 147,557,000 | 142,915,000 | 140,080,000 |
| Noninterest-bearing deposits | 41,246,000 | 42,536,000 | 44,356,000 | 42,449,000 |
| Equity capital | 27,731,000 | 27,439,000 | 27,823,000 | 27,836,000 |
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 | 2,806,000 | 5,513,000 | 8,025,000 | 10,521,000 |
| Interest expense | 698,000 | 1,228,000 | 1,657,000 | 2,020,000 |
| Net interest income | 2,108,000 | 4,285,000 | 6,368,000 | 8,501,000 |
| Noninterest income | 437,000 | 918,000 | 1,355,000 | 1,879,000 |
| Noninterest expense | 1,971,000 | 4,087,000 | 6,134,000 | 8,154,000 |
| Provision for loan losses | 200,000 | 325,000 | 425,000 | 520,000 |
| Pretax income | 374,000 | 791,000 | 1,164,000 | 1,706,000 |
| Income tax | 128,000 | 278,000 | 413,000 | 603,000 |
| Net income | 246,000 | 513,000 | 751,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,244,000 | 27,511,000 | 27,549,000 | 27,550,000 |
| Total capital | 28,347,000 | 28,693,000 | 28,699,000 | 28,716,000 |
| Risk-weighted assets | 109,237,000 | 102,252,000 | 101,660,000 | 101,719,000 |
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