Call reports 2002
CITIZENS BANK — 2002
What CITIZENS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 414,123,000 | 418,386,000 | 422,200,000 | 425,706,000 |
| Total loans | 232,990,000 | 233,376,000 | 235,498,000 | 233,418,000 |
| Allowance for loan losses | 2,599,000 | 2,621,000 | 2,572,000 | 2,627,000 |
| Securities available for sale | 43,857,000 | 42,358,000 | 41,831,000 | 45,327,000 |
| Securities held to maturity | 108,066,000 | 116,751,000 | 116,546,000 | 121,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,468,000 | 330,163,000 | 331,672,000 | 333,021,000 |
| Interest-bearing deposits | 301,905,000 | 302,685,000 | 303,878,000 | 304,521,000 |
| Noninterest-bearing deposits | 26,563,000 | 27,478,000 | 27,794,000 | 28,500,000 |
| Equity capital | 82,449,000 | 85,597,000 | 88,236,000 | 90,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,641,000 | 13,171,000 | 19,569,000 | 25,650,000 |
| Interest expense | 2,355,000 | 4,516,000 | 6,615,000 | 8,579,000 |
| Net interest income | 4,286,000 | 8,655,000 | 12,954,000 | 17,071,000 |
| Noninterest income | 641,000 | 1,271,000 | 1,987,000 | 2,810,000 |
| Noninterest expense | 1,494,000 | 2,866,000 | 4,239,000 | 6,019,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 753,000 |
| Pretax income | 3,290,000 | 6,794,000 | 10,286,000 | 13,144,000 |
| Income tax | 861,000 | 1,789,000 | 2,685,000 | 2,997,000 |
| Net income | 2,429,000 | 5,005,000 | 7,601,000 | 10,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,804,000 | 84,392,000 | 86,998,000 | 89,556,000 |
| Total capital | 84,403,000 | 87,013,000 | 89,570,000 | 92,183,000 |
| Risk-weighted assets | 266,890,000 | 269,639,000 | 273,163,000 | 273,311,000 |