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 | 136,244,000 | 136,504,000 | 134,309,000 | 139,154,000 |
| Total loans | 86,412,000 | 92,402,000 | 97,937,000 | 100,533,000 |
| Allowance for loan losses | 1,048,000 | 1,159,000 | 1,185,000 | 1,227,000 |
| Securities available for sale | 22,128,000 | 20,014,000 | 16,177,000 | 14,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,037,000 | 118,376,000 | 119,925,000 | 125,505,000 |
| Interest-bearing deposits | 100,121,000 | 98,163,000 | 99,624,000 | 102,829,000 |
| Noninterest-bearing deposits | 18,916,000 | 20,213,000 | 20,301,000 | 22,676,000 |
| Equity capital | 10,986,000 | 11,019,000 | 11,180,000 | 10,368,000 |
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 | 2,351,000 | 4,951,000 | 7,977,000 | 10,870,000 |
| Interest expense | 483,000 | 1,008,000 | 1,579,000 | 2,202,000 |
| Net interest income | 1,868,000 | 3,943,000 | 6,398,000 | 8,668,000 |
| Noninterest income | 385,000 | 952,000 | 1,749,000 | 2,359,000 |
| Noninterest expense | 2,737,000 | 5,408,000 | 8,417,000 | 11,761,000 |
| Provision for loan losses | 0 | 0 | 37,000 | 133,000 |
| Pretax income | -392,000 | -407,000 | -118,000 | -678,000 |
| Income tax | 0 | 0 | 0 | 58,000 |
| Net income | -392,000 | -407,000 | -118,000 | -736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,949,000 | 10,918,000 | 11,208,000 | 10,592,000 |
| Total capital | 11,997,000 | 12,077,000 | 12,393,000 | 11,819,000 |
| Risk-weighted assets | 95,117,000 | 96,449,000 | 98,581,000 | 109,194,000 |
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