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 | 95,056,000 | 93,986,000 | 94,286,000 | 99,880,000 |
| Total loans | 53,650,000 | 60,373,000 | 60,727,000 | 61,664,000 |
| Allowance for loan losses | 1,650,000 | 1,663,000 | 1,670,000 | 1,685,000 |
| Securities available for sale | 27,712,000 | 25,032,000 | 23,165,000 | 21,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,752,000 | 80,222,000 | 80,134,000 | 85,469,000 |
| Interest-bearing deposits | 62,108,000 | 59,832,000 | 58,751,000 | 64,155,000 |
| Noninterest-bearing deposits | 19,644,000 | 20,390,000 | 21,383,000 | 21,314,000 |
| Equity capital | 12,473,000 | 12,819,000 | 13,083,000 | 13,384,000 |
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 | 1,045,000 | 2,205,000 | 3,415,000 | 4,767,000 |
| Interest expense | 220,000 | 439,000 | 683,000 | 969,000 |
| Net interest income | 825,000 | 1,766,000 | 2,732,000 | 3,798,000 |
| Noninterest income | 222,000 | 485,000 | 729,000 | 914,000 |
| Noninterest expense | 640,000 | 1,402,000 | 2,160,000 | 2,893,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 392,000 | 820,000 | 1,257,000 | 1,760,000 |
| Income tax | 120,000 | 258,000 | 386,000 | 547,000 |
| Net income | 272,000 | 562,000 | 871,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,550,000 | 12,840,000 | 13,148,000 | 13,490,000 |
| Total capital | 13,336,000 | 13,654,000 | 13,943,000 | 14,315,000 |
| Risk-weighted assets | 62,002,000 | 64,512,000 | 63,023,000 | 65,158,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK, THE — 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.