Call reports 2004
CITIZENS BANK OF MASSACHUSETTS — 2004
What CITIZENS BANK OF MASSACHUSETTS 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 | 28,965,168,000 | 29,630,166,000 | 30,411,592,000 | 31,251,938,000 |
| Total loans | 18,088,148,000 | 18,347,766,000 | 19,305,788,000 | 20,129,556,000 |
| Allowance for loan losses | 283,932,000 | 279,269,000 | 286,291,000 | 247,813,000 |
| Securities available for sale | 8,075,336,000 | 8,384,416,000 | 8,223,527,000 | 8,375,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,664,613,000 | 22,224,161,000 | 22,376,952,000 | 22,922,079,000 |
| Interest-bearing deposits | 18,215,395,000 | 18,403,767,000 | 18,637,619,000 | 18,865,316,000 |
| Noninterest-bearing deposits | 3,449,218,000 | 3,820,394,000 | 3,739,333,000 | 4,056,763,000 |
| Equity capital | 3,475,254,000 | 3,447,983,000 | 3,517,916,000 | 3,607,952,000 |
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 | 297,761,000 | 605,450,000 | 927,659,000 | 1,269,742,000 |
| Interest expense | 78,717,000 | 157,137,000 | 239,920,000 | 331,853,000 |
| Net interest income | 219,044,000 | 448,313,000 | 687,739,000 | 937,889,000 |
| Noninterest income | 66,659,000 | 151,453,000 | 228,015,000 | 303,743,000 |
| Noninterest expense | 136,662,000 | 282,739,000 | 434,556,000 | 588,813,000 |
| Provision for loan losses | 20,623,000 | 20,826,000 | 37,339,000 | 13,082,000 |
| Pretax income | 135,692,000 | 311,301,000 | 459,113,000 | 654,811,000 |
| Income tax | 46,939,000 | 106,913,000 | 156,363,000 | 231,166,000 |
| Net income | 88,753,000 | 204,388,000 | 302,750,000 | 423,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,455,535,000 | 1,578,550,000 | 1,536,194,000 | 1,645,076,000 |
| Total capital | 1,999,177,000 | 2,123,899,000 | 2,095,374,000 | 2,193,036,000 |
| Risk-weighted assets | 19,439,127,000 | 19,582,084,000 | 20,695,351,000 | 21,740,607,000 |
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