Call reports 2005
CITIZENS BANK — 2005
What CITIZENS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 220,378,000 | 229,302,000 | 232,548,000 | 251,746,000 |
| Total loans | 106,114,000 | 109,309,000 | 116,271,000 | 121,902,000 |
| Allowance for loan losses | 1,380,000 | 1,440,000 | 1,509,000 | 1,564,000 |
| Securities available for sale | 10,697,000 | 10,262,000 | 9,494,000 | 13,820,000 |
| Securities held to maturity | 32,537,000 | 29,937,000 | 26,851,000 | 24,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,340,000 | 202,078,000 | 206,439,000 | 226,111,000 |
| Interest-bearing deposits | 140,402,000 | 137,548,000 | 144,655,000 | 152,205,000 |
| Noninterest-bearing deposits | 50,938,000 | 64,530,000 | 61,784,000 | 73,906,000 |
| Equity capital | 28,118,000 | 26,559,000 | 25,436,000 | 24,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,656,000 | 5,535,000 | 8,715,000 | 12,247,000 |
| Interest expense | 487,000 | 1,053,000 | 1,730,000 | 2,534,000 |
| Net interest income | 2,169,000 | 4,482,000 | 6,985,000 | 9,713,000 |
| Noninterest income | 443,000 | 882,000 | 1,293,000 | 1,710,000 |
| Noninterest expense | 2,234,000 | 4,512,000 | 6,857,000 | 9,257,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 246,000 |
| Pretax income | 318,000 | 732,000 | 1,241,000 | 1,920,000 |
| Income tax | 103,000 | 245,000 | 417,000 | 647,000 |
| Net income | 215,000 | 487,000 | 824,000 | 1,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,076,000 | 26,449,000 | 25,385,000 | 24,933,000 |
| Total capital | 29,456,000 | 27,889,000 | 26,894,000 | 26,497,000 |
| Risk-weighted assets | 110,274,000 | 122,793,000 | 129,187,000 | 139,517,000 |
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