Call reports 2002
CITIZENS BANK — 2002
What CITIZENS BANK 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 | 351,731,000 | 364,259,000 | 376,779,000 | 406,175,000 |
| Total loans | 228,047,000 | 226,772,000 | 228,928,000 | 236,292,000 |
| Allowance for loan losses | 2,933,000 | 2,808,000 | 2,902,000 | 3,073,000 |
| Securities available for sale | 498,000 | 764,000 | 306,000 | 278,000 |
| Securities held to maturity | 81,139,000 | 93,748,000 | 108,075,000 | 111,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,703,000 | 315,231,000 | 326,366,000 | 354,411,000 |
| Interest-bearing deposits | 270,815,000 | 278,571,000 | 284,467,000 | 312,055,000 |
| Noninterest-bearing deposits | 32,888,000 | 36,660,000 | 41,899,000 | 42,356,000 |
| Equity capital | 34,754,000 | 35,858,000 | 37,058,000 | 38,549,000 |
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 | 5,380,000 | 10,660,000 | 16,112,000 | 21,639,000 |
| Interest expense | 2,163,000 | 4,189,000 | 6,273,000 | 8,282,000 |
| Net interest income | 3,217,000 | 6,471,000 | 9,839,000 | 13,357,000 |
| Noninterest income | 559,000 | 1,170,000 | 2,061,000 | 3,332,000 |
| Noninterest expense | 2,178,000 | 4,430,000 | 6,670,000 | 9,103,000 |
| Provision for loan losses | 150,000 | 230,000 | 340,000 | 520,000 |
| Pretax income | 1,448,000 | 2,981,000 | 4,890,000 | 7,066,000 |
| Income tax | 404,000 | 833,000 | 1,422,000 | 2,107,000 |
| Net income | 1,044,000 | 2,148,000 | 3,468,000 | 4,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,637,000 | 35,744,000 | 36,947,000 | 38,441,000 |
| Total capital | 37,570,000 | 38,552,000 | 39,849,000 | 41,514,000 |
| Risk-weighted assets | 259,366,000 | 260,848,000 | 261,880,000 | 273,382,000 |