Call reports 2005
CITIZENS BANK, THE — 2005
What CITIZENS BANK, THE 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 | 121,340,000 | 118,742,000 | 121,898,000 | 123,381,000 |
| Total loans | 41,890,000 | 41,351,000 | 42,641,000 | 42,692,000 |
| Allowance for loan losses | 573,000 | 628,000 | 875,000 | 838,000 |
| Securities available for sale | 7,185,000 | 7,803,000 | 7,818,000 | 7,751,000 |
| Securities held to maturity | 67,157,000 | 67,154,000 | 67,133,000 | 67,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,775,000 | 97,104,000 | 100,321,000 | 101,335,000 |
| Interest-bearing deposits | 89,343,000 | 88,549,000 | 91,089,000 | 90,836,000 |
| Noninterest-bearing deposits | 8,432,000 | 8,555,000 | 9,232,000 | 10,499,000 |
| Equity capital | 20,364,000 | 20,790,000 | 21,228,000 | 21,191,000 |
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 | 1,642,000 | 3,312,000 | 5,035,000 | 6,789,000 |
| Interest expense | 530,000 | 1,111,000 | 1,747,000 | 2,448,000 |
| Net interest income | 1,112,000 | 2,201,000 | 3,288,000 | 4,341,000 |
| Noninterest income | 115,000 | 230,000 | 365,000 | 474,000 |
| Noninterest expense | 370,000 | 757,000 | 1,145,000 | 1,658,000 |
| Provision for loan losses | 35,000 | 115,000 | 115,000 | 155,000 |
| Pretax income | 822,000 | 1,559,000 | 2,288,000 | 2,777,000 |
| Income tax | 170,000 | 329,000 | 509,000 | 621,000 |
| Net income | 652,000 | 1,230,000 | 1,779,000 | 2,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,417,000 | 20,774,000 | 21,323,000 | 21,256,000 |
| Total capital | 20,990,000 | 21,402,000 | 21,982,000 | 21,916,000 |
| Risk-weighted assets | 52,329,000 | 51,699,000 | 52,535,000 | 52,646,000 |