Call reports 2004
CITIZENS BANK — 2004
What CITIZENS 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 | 208,017,000 | 206,715,000 | 209,649,000 | 221,543,000 |
| Total loans | 92,072,000 | 95,504,000 | 97,318,000 | 110,100,000 |
| Allowance for loan losses | 1,211,000 | 1,275,000 | 1,298,000 | 1,315,000 |
| Securities available for sale | 14,167,000 | 16,735,000 | 16,153,000 | 11,525,000 |
| Securities held to maturity | 41,376,000 | 41,252,000 | 38,031,000 | 34,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,919,000 | 178,604,000 | 180,820,000 | 185,464,000 |
| Interest-bearing deposits | 136,527,000 | 135,501,000 | 135,156,000 | 136,094,000 |
| Noninterest-bearing deposits | 42,392,000 | 43,103,000 | 45,664,000 | 49,370,000 |
| Equity capital | 28,156,000 | 27,499,000 | 27,964,000 | 28,029,000 |
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 | 2,434,000 | 4,804,000 | 7,258,000 | 10,139,000 |
| Interest expense | 332,000 | 656,000 | 1,012,000 | 1,652,000 |
| Net interest income | 2,102,000 | 4,148,000 | 6,246,000 | 8,487,000 |
| Noninterest income | 467,000 | 941,000 | 1,454,000 | 1,906,000 |
| Noninterest expense | 2,010,000 | 3,989,000 | 6,062,000 | 8,310,000 |
| Provision for loan losses | 60,000 | 110,000 | 155,000 | 200,000 |
| Pretax income | 499,000 | 990,000 | 1,483,000 | 1,883,000 |
| Income tax | 174,000 | 344,000 | 515,000 | 648,000 |
| Net income | 325,000 | 646,000 | 968,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,876,000 | 27,421,000 | 27,744,000 | 27,861,000 |
| Total capital | 29,087,000 | 28,696,000 | 29,042,000 | 29,176,000 |
| Risk-weighted assets | 100,210,000 | 102,065,000 | 105,913,000 | 114,339,000 |
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