Call reports 2004
CITIZENS BANK, THE — 2004
What CITIZENS BANK, THE 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 | 77,616,000 | 80,953,000 | 81,238,000 | 77,272,000 |
| Total loans | 34,754,000 | 37,178,000 | 39,329,000 | 39,993,000 |
| Allowance for loan losses | 516,000 | 524,000 | 520,000 | 495,000 |
| Securities available for sale | 30,914,000 | 31,575,000 | 32,226,000 | 30,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,842,000 | 72,539,000 | 71,740,000 | 68,380,000 |
| Interest-bearing deposits | 54,698,000 | 57,608,000 | 55,087,000 | 54,154,000 |
| Noninterest-bearing deposits | 14,144,000 | 14,931,000 | 16,653,000 | 14,226,000 |
| Equity capital | 7,146,000 | 6,860,000 | 7,371,000 | 7,484,000 |
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 | 955,000 | 1,883,000 | 2,857,000 | 3,885,000 |
| Interest expense | 147,000 | 298,000 | 448,000 | 594,000 |
| Net interest income | 808,000 | 1,585,000 | 2,409,000 | 3,291,000 |
| Noninterest income | 216,000 | 447,000 | 686,000 | 948,000 |
| Noninterest expense | 852,000 | 1,636,000 | 2,489,000 | 3,340,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 160,000 | 372,000 | 570,000 | 851,000 |
| Income tax | 42,000 | 109,000 | 173,000 | 261,000 |
| Net income | 118,000 | 263,000 | 397,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,320,000 | 6,476,000 | 6,640,000 | 6,807,000 |
| Total capital | 6,828,000 | 7,000,000 | 7,164,000 | 7,312,000 |
| Risk-weighted assets | 39,870,000 | 42,130,000 | 42,983,000 | 42,260,000 |
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