Call reports 2002
CITIZENS BANK OF MASSACHUSETTS — 2002
What CITIZENS BANK OF MASSACHUSETTS 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 | 18,421,303,000 | 19,448,850,000 | 20,732,477,000 | 22,812,044,000 |
| Total loans | 10,112,301,000 | 10,140,141,000 | 11,259,506,000 | 12,068,054,000 |
| Allowance for loan losses | 206,518,000 | 202,655,000 | 208,811,000 | 211,697,000 |
| Securities available for sale | 5,945,921,000 | 6,793,238,000 | 6,868,025,000 | 7,959,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,621,279,000 | 13,579,588,000 | 14,999,030,000 | 16,646,078,000 |
| Interest-bearing deposits | 10,281,308,000 | 10,953,226,000 | 12,273,858,000 | 13,850,747,000 |
| Noninterest-bearing deposits | 2,339,971,000 | 2,626,362,000 | 2,725,172,000 | 2,795,331,000 |
| Equity capital | 2,495,750,000 | 2,561,336,000 | 2,678,789,000 | 2,810,721,000 |
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 | 236,216,000 | 479,990,000 | 735,650,000 | 1,012,185,000 |
| Interest expense | 74,125,000 | 148,176,000 | 228,035,000 | 312,165,000 |
| Net interest income | 162,091,000 | 331,814,000 | 507,615,000 | 700,020,000 |
| Noninterest income | 53,720,000 | 114,312,000 | 177,832,000 | 233,118,000 |
| Noninterest expense | 112,059,000 | 226,716,000 | 349,102,000 | 486,616,000 |
| Provision for loan losses | 15,862,000 | 24,736,000 | 48,397,000 | 58,618,000 |
| Pretax income | 90,779,000 | 202,637,000 | 301,837,000 | 402,895,000 |
| Income tax | 31,176,000 | 69,878,000 | 102,758,000 | 135,943,000 |
| Net income | 59,603,000 | 132,759,000 | 199,079,000 | 266,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 997,812,000 | 1,003,319,000 | 1,071,973,000 | 1,030,732,000 |
| Total capital | 1,455,449,000 | 1,462,935,000 | 1,545,145,000 | 1,512,570,000 |
| Risk-weighted assets | 12,561,517,000 | 12,726,246,000 | 13,818,081,000 | 14,517,171,000 |
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