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 | 5,886,682,000 | 7,448,757,000 | 7,480,707,000 | 7,353,493,000 |
| Total loans | 4,259,871,000 | 5,326,289,000 | 5,372,901,000 | 5,409,994,000 |
| Allowance for loan losses | 73,801,000 | 115,299,000 | 113,982,000 | 111,799,000 |
| Securities available for sale | 1,184,789,000 | 1,614,525,000 | 1,562,825,000 | 1,389,634,000 |
| Securities held to maturity | 50,000,000 | 60,254,000 | 64,638,000 | 68,245,000 |
| Trading assets | 0 | 437,000 | 283,000 | 1,169,000 |
| Total deposits | 3,927,411,000 | 4,950,092,000 | 4,986,443,000 | 5,219,153,000 |
| Interest-bearing deposits | 3,209,734,000 | 4,048,109,000 | 4,075,502,000 | 4,271,536,000 |
| Noninterest-bearing deposits | 717,677,000 | 901,983,000 | 910,941,000 | 947,617,000 |
| Equity capital | 485,447,000 | 698,344,000 | 696,376,000 | 695,822,000 |
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 | 75,573,000 | 195,335,000 | 299,922,000 | 407,799,000 |
| Interest expense | 22,359,000 | 60,780,000 | 96,589,000 | 136,228,000 |
| Net interest income | 53,214,000 | 134,555,000 | 203,333,000 | 271,571,000 |
| Noninterest income | 12,920,000 | 33,006,000 | 50,166,000 | 63,221,000 |
| Noninterest expense | 38,961,000 | 103,268,000 | 154,896,000 | 205,639,000 |
| Provision for loan losses | 2,980,000 | 4,291,000 | 8,291,000 | 1,004,000 |
| Pretax income | 24,199,000 | 60,001,000 | 90,311,000 | 119,990,000 |
| Income tax | 7,291,000 | 17,638,000 | 26,338,000 | 35,329,000 |
| Net income | 16,908,000 | 42,363,000 | 63,973,000 | 84,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 428,951,000 | 619,971,000 | 627,305,000 | 629,667,000 |
| Total capital | 487,477,000 | 693,257,000 | 701,516,000 | 704,148,000 |
| Risk-weighted assets | 4,664,578,000 | 5,818,092,000 | 5,894,152,000 | 5,918,159,000 |
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.