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 | 445,501,000 | 430,493,000 | 429,518,000 | 425,492,000 |
| Total loans | 271,642,000 | 280,424,000 | 287,053,000 | 282,226,000 |
| Allowance for loan losses | 4,371,000 | 4,418,000 | 4,520,000 | 4,660,000 |
| Securities available for sale | 142,070,000 | 122,039,000 | 115,128,000 | 109,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,218,000 | 301,851,000 | 299,014,000 | 299,274,000 |
| Interest-bearing deposits | 264,960,000 | 264,031,000 | 261,915,000 | 258,244,000 |
| Noninterest-bearing deposits | 40,258,000 | 37,820,000 | 37,099,000 | 41,030,000 |
| Equity capital | 26,732,000 | 26,535,000 | 28,528,000 | 26,817,000 |
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 | 5,456,000 | 10,960,000 | 16,529,000 | 22,174,000 |
| Interest expense | 2,154,000 | 4,239,000 | 6,344,000 | 8,470,000 |
| Net interest income | 3,302,000 | 6,721,000 | 10,185,000 | 13,704,000 |
| Noninterest income | 629,000 | 1,333,000 | 2,255,000 | 2,996,000 |
| Noninterest expense | 2,286,000 | 4,755,000 | 7,239,000 | 9,971,000 |
| Provision for loan losses | 225,000 | 350,000 | 476,000 | 850,000 |
| Pretax income | 1,421,000 | 2,947,000 | 4,722,000 | 5,876,000 |
| Income tax | 538,000 | 773,000 | 1,390,000 | 1,673,000 |
| Net income | 883,000 | 2,174,000 | 3,332,000 | 4,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,869,000 | 27,168,000 | 28,315,000 | 26,874,000 |
| Total capital | 29,211,000 | 30,571,000 | 31,820,000 | 30,309,000 |
| Risk-weighted assets | 266,386,000 | 271,293,000 | 279,363,000 | 273,574,000 |
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