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 | 397,846,000 | 412,799,000 | 432,469,000 | 432,252,000 |
| Total loans | 238,564,000 | 250,609,000 | 260,413,000 | 263,144,000 |
| Allowance for loan losses | 4,108,000 | 4,190,000 | 4,299,000 | 4,175,000 |
| Securities available for sale | 132,459,000 | 122,735,000 | 125,316,000 | 132,291,000 |
| Securities held to maturity | 150,000 | 150,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,907,000 | 294,545,000 | 292,810,000 | 300,749,000 |
| Interest-bearing deposits | 253,632,000 | 259,607,000 | 259,527,000 | 264,802,000 |
| Noninterest-bearing deposits | 33,275,000 | 34,938,000 | 33,283,000 | 35,947,000 |
| Equity capital | 25,355,000 | 26,268,000 | 26,593,000 | 25,413,000 |
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 | 5,366,000 | 10,505,000 | 15,691,000 | 21,300,000 |
| Interest expense | 2,169,000 | 4,328,000 | 6,468,000 | 8,636,000 |
| Net interest income | 3,197,000 | 6,177,000 | 9,223,000 | 12,664,000 |
| Noninterest income | 587,000 | 1,290,000 | 2,111,000 | 2,919,000 |
| Noninterest expense | 2,088,000 | 4,304,000 | 6,592,000 | 9,133,000 |
| Provision for loan losses | 225,000 | 400,000 | 625,000 | 875,000 |
| Pretax income | 1,760,000 | 3,074,000 | 4,428,000 | 5,886,000 |
| Income tax | 644,000 | 1,119,000 | 1,371,000 | 1,792,000 |
| Net income | 1,116,000 | 1,955,000 | 3,057,000 | 4,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,216,000 | 25,063,000 | 26,173,000 | 24,978,000 |
| Total capital | 27,157,000 | 28,146,000 | 29,389,000 | 28,217,000 |
| Risk-weighted assets | 233,954,000 | 245,572,000 | 256,286,000 | 258,210,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK, THE — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.