Call reports 2002
CITIZENS BANK, THE — 2002
What CITIZENS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 362,332,000 | 360,735,000 | 379,199,000 | 401,292,000 |
| Total loans | 222,205,000 | 225,775,000 | 236,882,000 | 238,799,000 |
| Allowance for loan losses | 3,225,000 | 3,345,000 | 3,599,000 | 3,928,000 |
| Securities available for sale | 101,222,000 | 103,688,000 | 111,692,000 | 131,249,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,650,000 | 288,255,000 | 284,568,000 | 292,029,000 |
| Interest-bearing deposits | 256,157,000 | 256,939,000 | 254,316,000 | 258,681,000 |
| Noninterest-bearing deposits | 30,493,000 | 31,316,000 | 30,252,000 | 33,348,000 |
| Equity capital | 23,514,000 | 25,212,000 | 26,746,000 | 24,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,460,000 | 11,042,000 | 16,684,000 | 22,236,000 |
| Interest expense | 2,458,000 | 4,703,000 | 6,973,000 | 9,221,000 |
| Net interest income | 3,002,000 | 6,339,000 | 9,711,000 | 13,015,000 |
| Noninterest income | 796,000 | 1,392,000 | 2,245,000 | 3,037,000 |
| Noninterest expense | 1,906,000 | 3,806,000 | 5,867,000 | 8,173,000 |
| Provision for loan losses | 195,000 | 390,000 | 655,000 | 1,958,000 |
| Pretax income | 1,697,000 | 3,535,000 | 5,181,000 | 5,668,000 |
| Income tax | 600,000 | 1,280,000 | 1,680,000 | 1,607,000 |
| Net income | 1,097,000 | 2,255,000 | 3,501,000 | 4,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,137,000 | 23,345,000 | 24,984,000 | 23,092,000 |
| Total capital | 24,872,000 | 26,122,000 | 27,856,000 | 26,046,000 |
| Risk-weighted assets | 218,293,000 | 221,583,000 | 229,171,000 | 235,333,000 |
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