Call reports 2003
CITIZENS BANK, THE — 2003
What CITIZENS BANK, THE 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 | 117,005,000 | 117,523,000 | 117,916,000 | 119,702,000 |
| Total loans | 38,829,000 | 39,417,000 | 39,454,000 | 39,867,000 |
| Allowance for loan losses | 791,000 | 809,000 | 816,000 | 814,000 |
| Securities available for sale | 7,081,000 | 4,593,000 | 3,555,000 | 6,746,000 |
| Securities held to maturity | 49,555,000 | 49,147,000 | 70,579,000 | 70,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,338,000 | 99,641,000 | 99,615,000 | 99,496,000 |
| Interest-bearing deposits | 90,861,000 | 92,304,000 | 91,411,000 | 90,813,000 |
| Noninterest-bearing deposits | 8,477,000 | 7,337,000 | 8,204,000 | 8,683,000 |
| Equity capital | 17,151,000 | 17,390,000 | 17,993,000 | 18,101,000 |
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 | 1,619,000 | 3,166,000 | 4,785,000 | 6,439,000 |
| Interest expense | 678,000 | 1,309,000 | 1,883,000 | 2,402,000 |
| Net interest income | 941,000 | 1,857,000 | 2,902,000 | 4,037,000 |
| Noninterest income | 105,000 | 210,000 | 348,000 | 452,000 |
| Noninterest expense | 367,000 | 734,000 | 1,097,000 | 1,688,000 |
| Provision for loan losses | 40,000 | 85,000 | 110,000 | 180,000 |
| Pretax income | 639,000 | 1,248,000 | 2,043,000 | 2,621,000 |
| Income tax | 143,000 | 299,000 | 469,000 | 585,000 |
| Net income | 496,000 | 949,000 | 1,574,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,106,000 | 17,337,000 | 17,962,000 | 18,047,000 |
| Total capital | 17,723,000 | 17,964,000 | 18,626,000 | 18,700,000 |
| Risk-weighted assets | 49,181,000 | 49,953,000 | 52,979,000 | 52,067,000 |