Call reports 2005
CITIZENS BANK OF MASSACHUSETTS — 2005
What CITIZENS BANK OF MASSACHUSETTS 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 | 31,726,337,000 | 33,847,210,000 | 33,589,830,000 | 34,500,279,000 |
| Total loans | 20,430,250,000 | 22,220,131,000 | 22,835,344,000 | 23,472,303,000 |
| Allowance for loan losses | 256,915,000 | 240,479,000 | 233,564,000 | 197,371,000 |
| Securities available for sale | 8,387,061,000 | 7,893,556,000 | 7,760,568,000 | 7,504,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 82,052,000 |
| Total deposits | 23,684,223,000 | 24,702,896,000 | 23,808,766,000 | 24,041,068,000 |
| Interest-bearing deposits | 19,591,840,000 | 20,495,949,000 | 19,368,031,000 | 19,572,680,000 |
| Noninterest-bearing deposits | 4,092,383,000 | 4,206,947,000 | 4,440,735,000 | 4,468,388,000 |
| Equity capital | 3,624,094,000 | 3,815,488,000 | 3,914,070,000 | 3,989,847,000 |
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 | 352,527,000 | 725,092,000 | 1,131,964,000 | 1,558,176,000 |
| Interest expense | 103,437,000 | 225,882,000 | 368,728,000 | 529,749,000 |
| Net interest income | 249,090,000 | 499,210,000 | 763,236,000 | 1,028,427,000 |
| Noninterest income | 75,027,000 | 165,888,000 | 249,561,000 | 341,090,000 |
| Noninterest expense | 156,597,000 | 305,566,000 | 477,265,000 | 660,592,000 |
| Provision for loan losses | 17,850,000 | 17,778,000 | 32,477,000 | 28,564,000 |
| Pretax income | 155,125,000 | 359,459,000 | 521,618,000 | 702,786,000 |
| Income tax | 54,911,000 | 129,918,000 | 186,607,000 | 251,281,000 |
| Net income | 100,214,000 | 229,541,000 | 335,011,000 | 451,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,748,948,000 | 1,882,414,000 | 2,021,993,000 | 2,142,449,000 |
| Total capital | 2,306,010,000 | 2,383,040,000 | 2,515,704,000 | 2,614,142,000 |
| Risk-weighted assets | 21,873,637,000 | 23,807,981,000 | 24,497,034,000 | 25,331,000,000 |