Call reports 2003
CITIZENS BANK, THE — 2003
What CITIZENS BANK, THE 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 | 60,422,000 | 75,006,000 | 76,884,000 | 76,066,000 |
| Total loans | 31,913,000 | 34,965,000 | 34,147,000 | 34,827,000 |
| Allowance for loan losses | 598,000 | 632,000 | 517,000 | 526,000 |
| Securities available for sale | 13,514,000 | 27,333,000 | 27,245,000 | 32,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,840,000 | 67,453,000 | 68,457,000 | 65,765,000 |
| Interest-bearing deposits | 42,085,000 | 53,913,000 | 55,502,000 | 53,444,000 |
| Noninterest-bearing deposits | 11,755,000 | 13,540,000 | 12,955,000 | 12,321,000 |
| Equity capital | 6,372,000 | 7,167,000 | 6,575,000 | 7,462,000 |
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 | 822,000 | 1,674,000 | 2,606,000 | 3,544,000 |
| Interest expense | 145,000 | 284,000 | 453,000 | 605,000 |
| Net interest income | 677,000 | 1,390,000 | 2,153,000 | 2,939,000 |
| Noninterest income | 231,000 | 475,000 | 698,000 | 935,000 |
| Noninterest expense | 690,000 | 1,382,000 | 2,213,000 | 3,080,000 |
| Provision for loan losses | 23,000 | 59,000 | 155,000 | 188,000 |
| Pretax income | 195,000 | 467,000 | 526,000 | 649,000 |
| Income tax | 64,000 | 144,000 | 160,000 | 193,000 |
| Net income | 131,000 | 323,000 | 366,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,311,000 | 6,111,000 | 6,125,000 | 6,757,000 |
| Total capital | 6,770,000 | 6,613,000 | 6,626,000 | 7,263,000 |
| Risk-weighted assets | 36,599,000 | 40,054,000 | 40,082,000 | 39,874,000 |
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