Call reports 2005
CITIZENS BANK — 2005
What CITIZENS BANK 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 | 331,243,000 | 343,656,000 | 348,852,000 | 338,663,000 |
| Total loans | 224,722,000 | 236,943,000 | 242,049,000 | 233,845,000 |
| Allowance for loan losses | 2,712,000 | 2,745,000 | 2,787,000 | 2,750,000 |
| Securities available for sale | 69,690,000 | 67,946,000 | 59,981,000 | 63,863,000 |
| Securities held to maturity | 9,959,000 | 8,452,000 | 8,456,000 | 7,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,299,000 | 252,377,000 | 263,837,000 | 256,631,000 |
| Interest-bearing deposits | 186,494,000 | 201,744,000 | 198,932,000 | 197,475,000 |
| Noninterest-bearing deposits | 48,805,000 | 50,633,000 | 64,905,000 | 59,156,000 |
| Equity capital | 40,029,000 | 41,601,000 | 43,056,000 | 42,081,000 |
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 | 4,345,000 | 8,797,000 | 13,534,000 | 18,468,000 |
| Interest expense | 588,000 | 1,303,000 | 2,127,000 | 3,017,000 |
| Net interest income | 3,757,000 | 7,494,000 | 11,407,000 | 15,451,000 |
| Noninterest income | 1,064,000 | 2,079,000 | 3,134,000 | 3,886,000 |
| Noninterest expense | 2,738,000 | 5,511,000 | 8,326,000 | 10,989,000 |
| Provision for loan losses | 33,000 | 67,000 | 108,000 | 155,000 |
| Pretax income | 2,050,000 | 3,995,000 | 6,107,000 | 8,193,000 |
| Income tax | 712,000 | 1,340,000 | 2,056,000 | 2,761,000 |
| Net income | 1,338,000 | 2,655,000 | 4,051,000 | 5,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,571,000 | 41,926,000 | 43,367,000 | 42,329,000 |
| Total capital | 43,283,000 | 44,671,000 | 46,154,000 | 45,079,000 |
| Risk-weighted assets | 260,266,000 | 274,498,000 | 281,328,000 | 272,053,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK — 2005 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 since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) 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.