Call reports 2004
CITIZENS BANK OF PHILADELPHIA, THE — 2004
What CITIZENS BANK OF PHILADELPHIA, 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 | 564,053,000 | 567,198,000 | 574,043,000 | 586,706,000 |
| Total loans | 358,733,000 | 364,004,000 | 368,981,000 | 369,589,000 |
| Allowance for loan losses | 5,418,000 | 5,755,000 | 5,795,000 | 4,721,000 |
| Securities available for sale | 134,013,000 | 140,572,000 | 142,774,000 | 147,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,340,000 | 462,978,000 | 466,454,000 | 475,574,000 |
| Interest-bearing deposits | 390,115,000 | 391,695,000 | 383,432,000 | 397,500,000 |
| Noninterest-bearing deposits | 72,225,000 | 71,283,000 | 83,022,000 | 78,074,000 |
| Equity capital | 57,899,000 | 55,775,000 | 59,215,000 | 60,051,000 |
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 | 7,226,000 | 14,608,000 | 22,115,000 | 29,995,000 |
| Interest expense | 1,827,000 | 3,635,000 | 5,546,000 | 7,546,000 |
| Net interest income | 5,399,000 | 10,973,000 | 16,569,000 | 22,449,000 |
| Noninterest income | 1,261,000 | 2,760,000 | 4,113,000 | 5,514,000 |
| Noninterest expense | 3,912,000 | 7,999,000 | 12,133,000 | 16,463,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,022,000 | 1,067,000 |
| Pretax income | 2,298,000 | 4,842,000 | 7,534,000 | 10,440,000 |
| Income tax | 575,000 | 1,270,000 | 1,977,000 | 2,692,000 |
| Net income | 1,723,000 | 3,572,000 | 5,557,000 | 7,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,689,000 | 50,898,000 | 52,244,000 | 53,821,000 |
| Total capital | 54,339,000 | 55,702,000 | 57,105,000 | 58,542,000 |
| Risk-weighted assets | 371,214,000 | 383,341,000 | 387,978,000 | 391,630,000 |
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