Call reports 2003
CITIZENS BANK OF MASSACHUSETTS — 2003
What CITIZENS BANK OF MASSACHUSETTS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 24,273,852,000 | 24,958,446,000 | 26,483,497,000 | 28,289,790,000 |
| Total loans | 12,744,898,000 | 13,597,317,000 | 15,056,790,000 | 16,397,644,000 |
| Allowance for loan losses | 214,055,000 | 221,318,000 | 223,873,000 | 219,912,000 |
| Securities available for sale | 8,341,854,000 | 8,623,341,000 | 8,428,846,000 | 9,054,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,898,825,000 | 18,551,380,000 | 19,779,913,000 | 20,528,350,000 |
| Interest-bearing deposits | 14,975,057,000 | 15,342,688,000 | 16,286,034,000 | 17,128,351,000 |
| Noninterest-bearing deposits | 2,923,768,000 | 3,208,692,000 | 3,493,879,000 | 3,399,999,000 |
| Equity capital | 2,886,603,000 | 2,954,099,000 | 3,259,904,000 | 3,304,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 269,826,000 | 542,563,000 | 824,655,000 | 1,114,957,000 |
| Interest expense | 80,451,000 | 157,244,000 | 228,188,000 | 303,121,000 |
| Net interest income | 189,375,000 | 385,319,000 | 596,467,000 | 811,836,000 |
| Noninterest income | 55,073,000 | 115,957,000 | 179,938,000 | 249,086,000 |
| Noninterest expense | 125,808,000 | 252,652,000 | 395,869,000 | 554,052,000 |
| Provision for loan losses | 18,496,000 | 36,874,000 | 45,289,000 | 51,414,000 |
| Pretax income | 121,971,000 | 236,955,000 | 360,990,000 | 482,301,000 |
| Income tax | 42,577,000 | 82,840,000 | 124,978,000 | 164,469,000 |
| Net income | 79,394,000 | 154,115,000 | 236,012,000 | 317,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,107,358,000 | 1,180,242,000 | 1,301,684,000 | 1,336,566,000 |
| Total capital | 1,595,331,000 | 1,678,088,000 | 1,811,325,000 | 1,856,625,000 |
| Risk-weighted assets | 15,011,792,000 | 15,804,240,000 | 16,757,022,000 | 18,049,746,000 |