Call reports 2002
CITIZENS BANK, THE — 2002
What CITIZENS BANK, THE 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 | 107,820,000 | 108,757,000 | 111,314,000 | 115,812,000 |
| Total loans | 38,142,000 | 39,116,000 | 39,924,000 | 38,748,000 |
| Allowance for loan losses | 608,000 | 689,000 | 698,000 | 780,000 |
| Securities available for sale | 8,203,000 | 8,550,000 | 7,595,000 | 5,622,000 |
| Securities held to maturity | 48,899,000 | 56,308,000 | 57,608,000 | 57,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,798,000 | 92,240,000 | 94,216,000 | 98,335,000 |
| Interest-bearing deposits | 84,380,000 | 85,156,000 | 86,872,000 | 91,468,000 |
| Noninterest-bearing deposits | 7,418,000 | 7,084,000 | 7,344,000 | 6,867,000 |
| Equity capital | 15,530,000 | 16,146,000 | 16,742,000 | 16,679,000 |
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 | 1,683,000 | 3,419,000 | 5,190,000 | 6,874,000 |
| Interest expense | 798,000 | 1,549,000 | 2,285,000 | 3,015,000 |
| Net interest income | 885,000 | 1,870,000 | 2,905,000 | 3,859,000 |
| Noninterest income | 112,000 | 224,000 | 331,000 | 442,000 |
| Noninterest expense | 332,000 | 713,000 | 1,074,000 | 1,594,000 |
| Provision for loan losses | 40,000 | 140,000 | 180,000 | 340,000 |
| Pretax income | 625,000 | 1,241,000 | 1,982,000 | 2,367,000 |
| Income tax | 145,000 | 299,000 | 471,000 | 559,000 |
| Net income | 480,000 | 942,000 | 1,511,000 | 1,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,715,000 | 16,122,000 | 16,690,000 | 16,610,000 |
| Total capital | 16,309,000 | 16,715,000 | 17,296,000 | 17,210,000 |
| Risk-weighted assets | 47,537,000 | 47,381,000 | 48,403,000 | 47,832,000 |