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 | 445,684,000 | 442,553,000 | 445,664,000 | 446,721,000 |
| Total loans | 236,670,000 | 237,692,000 | 237,693,000 | 234,927,000 |
| Allowance for loan losses | 2,681,000 | 2,691,000 | 2,668,000 | 2,327,000 |
| Securities available for sale | 43,240,000 | 46,733,000 | 47,197,000 | 48,470,000 |
| Securities held to maturity | 132,638,000 | 130,981,000 | 137,333,000 | 135,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,952,000 | 363,267,000 | 379,770,000 | 378,469,000 |
| Interest-bearing deposits | 338,015,000 | 332,190,000 | 329,571,000 | 345,945,000 |
| Noninterest-bearing deposits | 30,937,000 | 31,077,000 | 50,199,000 | 32,524,000 |
| Equity capital | 74,334,000 | 77,275,000 | 63,732,000 | 65,865,000 |
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 | 6,076,000 | 12,365,000 | 18,920,000 | 25,616,000 |
| Interest expense | 1,788,000 | 3,737,000 | 5,827,000 | 8,269,000 |
| Net interest income | 4,288,000 | 8,628,000 | 13,093,000 | 17,347,000 |
| Noninterest income | 647,000 | 1,342,000 | 2,022,000 | 2,787,000 |
| Noninterest expense | 1,628,000 | 3,049,000 | 4,560,000 | 6,498,000 |
| Provision for loan losses | 115,000 | 220,000 | 370,000 | 114,000 |
| Pretax income | 3,192,000 | 6,701,000 | 10,340,000 | 13,677,000 |
| Income tax | 699,000 | 1,533,000 | 2,394,000 | 3,151,000 |
| Net income | 2,493,000 | 5,168,000 | 7,946,000 | 10,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,258,000 | 76,945,000 | 63,742,000 | 66,334,000 |
| Total capital | 76,939,000 | 79,636,000 | 66,410,000 | 68,661,000 |
| Risk-weighted assets | 290,490,000 | 290,043,000 | 293,083,000 | 291,498,000 |