Call reports 2005
CITIZENS BANK, THE — 2005
What CITIZENS BANK, THE 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 | 76,897,000 | 74,561,000 | 71,030,000 | 75,149,000 |
| Total loans | 40,188,000 | 42,939,000 | 42,923,000 | 43,594,000 |
| Allowance for loan losses | 506,000 | 487,000 | 505,000 | 470,000 |
| Securities available for sale | 26,532,000 | 25,350,000 | 20,755,000 | 16,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,596,000 | 65,689,000 | 62,959,000 | 66,558,000 |
| Interest-bearing deposits | 53,418,000 | 51,024,000 | 47,681,000 | 49,706,000 |
| Noninterest-bearing deposits | 15,178,000 | 14,665,000 | 15,278,000 | 16,852,000 |
| Equity capital | 7,284,000 | 7,587,000 | 7,386,000 | 7,538,000 |
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 | 998,000 | 2,036,000 | 3,074,000 | 4,161,000 |
| Interest expense | 141,000 | 293,000 | 466,000 | 686,000 |
| Net interest income | 857,000 | 1,743,000 | 2,608,000 | 3,475,000 |
| Noninterest income | 224,000 | 457,000 | 662,000 | 1,131,000 |
| Noninterest expense | 931,000 | 1,794,000 | 2,589,000 | 3,523,000 |
| Provision for loan losses | 12,000 | 24,000 | 48,000 | 72,000 |
| Pretax income | 167,000 | 411,000 | 638,000 | 1,016,000 |
| Income tax | 51,000 | 117,000 | 207,000 | 334,000 |
| Net income | 116,000 | 294,000 | 431,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,820,000 | 6,958,000 | 6,864,000 | 7,084,000 |
| Total capital | 7,326,000 | 7,445,000 | 7,369,000 | 7,554,000 |
| Risk-weighted assets | 41,796,000 | 42,538,000 | 42,034,000 | 42,944,000 |
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