Call reports 2005
CITIZENS BANK OF PHILADELPHIA, THE — 2005
What CITIZENS BANK OF PHILADELPHIA, 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 | 589,810,000 | 592,163,000 | 602,787,000 | 607,709,000 |
| Total loans | 367,694,000 | 373,436,000 | 376,190,000 | 379,526,000 |
| Allowance for loan losses | 4,772,000 | 4,627,000 | 4,679,000 | 4,562,000 |
| Securities available for sale | 144,032,000 | 155,018,000 | 156,176,000 | 158,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,240,000 | 451,251,000 | 472,429,000 | 475,326,000 |
| Interest-bearing deposits | 386,227,000 | 379,372,000 | 385,137,000 | 387,989,000 |
| Noninterest-bearing deposits | 92,013,000 | 71,879,000 | 87,292,000 | 87,337,000 |
| Equity capital | 60,433,000 | 62,277,000 | 63,536,000 | 63,503,000 |
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 | 8,032,000 | 16,125,000 | 24,604,000 | 33,145,000 |
| Interest expense | 2,100,000 | 4,381,000 | 6,972,000 | 9,858,000 |
| Net interest income | 5,932,000 | 11,744,000 | 17,632,000 | 23,287,000 |
| Noninterest income | 1,298,000 | 2,846,000 | 4,366,000 | 5,616,000 |
| Noninterest expense | 4,500,000 | 8,858,000 | 13,138,000 | 17,260,000 |
| Provision for loan losses | 163,000 | 506,000 | 1,046,000 | 1,084,000 |
| Pretax income | 2,567,000 | 5,226,000 | 7,814,000 | 10,559,000 |
| Income tax | 600,000 | 1,205,000 | 1,778,000 | 2,377,000 |
| Net income | 1,967,000 | 4,021,000 | 6,036,000 | 8,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,102,000 | 56,470,000 | 57,799,000 | 59,200,000 |
| Total capital | 59,874,000 | 61,097,000 | 62,478,000 | 63,762,000 |
| Risk-weighted assets | 393,933,000 | 394,704,000 | 400,216,000 | 403,498,000 |
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