Call reports 2004
CITIZENS BANK, THE — 2004
What CITIZENS BANK, THE 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 | 117,667,000 | 118,743,000 | 116,308,000 | 117,398,000 |
| Total loans | 40,315,000 | 41,106,000 | 41,960,000 | 41,373,000 |
| Allowance for loan losses | 820,000 | 834,000 | 844,000 | 872,000 |
| Securities available for sale | 6,758,000 | 7,632,000 | 6,688,000 | 6,407,000 |
| Securities held to maturity | 67,613,000 | 65,810,000 | 64,113,000 | 66,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,997,000 | 98,944,000 | 96,191,000 | 96,633,000 |
| Interest-bearing deposits | 90,238,000 | 90,804,000 | 88,815,000 | 87,608,000 |
| Noninterest-bearing deposits | 7,759,000 | 8,140,000 | 7,376,000 | 9,025,000 |
| Equity capital | 18,807,000 | 19,128,000 | 19,858,000 | 19,757,000 |
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 | 1,695,000 | 3,346,000 | 4,991,000 | 6,623,000 |
| Interest expense | 471,000 | 909,000 | 1,370,000 | 1,866,000 |
| Net interest income | 1,224,000 | 2,437,000 | 3,621,000 | 4,757,000 |
| Noninterest income | 113,000 | 224,000 | 366,000 | 483,000 |
| Noninterest expense | 411,000 | 878,000 | 1,269,000 | 1,932,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 190,000 |
| Pretax income | 896,000 | 1,723,000 | 2,618,000 | 3,118,000 |
| Income tax | 192,000 | 398,000 | 595,000 | 733,000 |
| Net income | 704,000 | 1,325,000 | 2,023,000 | 2,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,751,000 | 19,150,000 | 19,848,000 | 19,771,000 |
| Total capital | 19,379,000 | 19,784,000 | 20,492,000 | 20,409,000 |
| Risk-weighted assets | 50,064,000 | 51,299,000 | 51,309,000 | 50,824,000 |
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