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 | 20,645,000 | 19,391,000 | 18,896,000 | 19,072,000 |
| Total loans | 6,699,000 | 6,827,000 | 6,848,000 | 6,693,000 |
| Allowance for loan losses | 107,000 | 109,000 | 109,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,996,000 | 7,998,000 | 7,999,000 | 7,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,257,000 | 15,892,000 | 15,303,000 | 15,543,000 |
| Interest-bearing deposits | 11,240,000 | 10,598,000 | 10,128,000 | 10,511,000 |
| Noninterest-bearing deposits | 6,017,000 | 5,294,000 | 5,175,000 | 5,032,000 |
| Equity capital | 3,351,000 | 3,414,000 | 3,474,000 | 3,470,000 |
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 | 218,000 | 454,000 | 686,000 | 914,000 |
| Interest expense | 25,000 | 51,000 | 75,000 | 102,000 |
| Net interest income | 193,000 | 403,000 | 611,000 | 812,000 |
| Noninterest income | 62,000 | 122,000 | 184,000 | 238,000 |
| Noninterest expense | 189,000 | 355,000 | 532,000 | 781,000 |
| Provision for loan losses | 0 | 6,000 | 9,000 | 43,000 |
| Pretax income | 66,000 | 164,000 | 254,000 | 226,000 |
| Income tax | 22,000 | 55,000 | 85,000 | 58,000 |
| Net income | 44,000 | 109,000 | 169,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,351,000 | 3,414,000 | 3,474,000 | 3,470,000 |
| Total capital | 3,432,000 | 3,494,000 | 3,557,000 | 3,554,000 |
| Risk-weighted assets | 6,432,000 | 6,409,000 | 6,649,000 | 6,675,000 |
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