Call reports 2004
CITIZENS BANK — 2004
What CITIZENS BANK 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 | 437,781,000 | 439,029,000 | 445,780,000 | 444,219,000 |
| Total loans | 240,219,000 | 240,610,000 | 239,124,000 | 237,406,000 |
| Allowance for loan losses | 2,780,000 | 2,884,000 | 2,888,000 | 2,727,000 |
| Securities available for sale | 42,637,000 | 44,747,000 | 48,416,000 | 45,382,000 |
| Securities held to maturity | 128,547,000 | 128,564,000 | 128,923,000 | 133,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,556,000 | 364,503,000 | 368,002,000 | 364,329,000 |
| Interest-bearing deposits | 334,804,000 | 334,574,000 | 334,899,000 | 333,259,000 |
| Noninterest-bearing deposits | 29,752,000 | 29,929,000 | 33,103,000 | 31,070,000 |
| Equity capital | 70,891,000 | 72,805,000 | 75,962,000 | 78,145,000 |
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 | 5,922,000 | 11,828,000 | 17,811,000 | 23,908,000 |
| Interest expense | 1,511,000 | 3,017,000 | 4,561,000 | 6,208,000 |
| Net interest income | 4,411,000 | 8,811,000 | 13,250,000 | 17,700,000 |
| Noninterest income | 668,000 | 1,541,000 | 2,216,000 | 2,930,000 |
| Noninterest expense | 1,580,000 | 3,077,000 | 4,637,000 | 6,555,000 |
| Provision for loan losses | 105,000 | 225,000 | 345,000 | 422,000 |
| Pretax income | 3,394,000 | 7,050,000 | 10,484,000 | 13,655,000 |
| Income tax | 796,000 | 1,678,000 | 2,493,000 | 3,145,000 |
| Net income | 2,598,000 | 5,372,000 | 7,991,000 | 10,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,407,000 | 72,191,000 | 74,821,000 | 77,351,000 |
| Total capital | 72,187,000 | 75,075,000 | 77,709,000 | 80,078,000 |
| Risk-weighted assets | 285,848,000 | 288,564,000 | 288,897,000 | 289,782,000 |