Call reports 2004
CITIZENS BANK — 2004
What CITIZENS BANK 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 | 453,235,000 | 448,088,000 | 453,427,000 | 479,119,000 |
| Total loans | 301,412,000 | 287,252,000 | 306,789,000 | 321,786,000 |
| Allowance for loan losses | 3,837,000 | 3,858,000 | 3,884,000 | 4,118,000 |
| Securities available for sale | 62,000 | 1,358,000 | 152,000 | 415,000 |
| Securities held to maturity | 102,493,000 | 108,573,000 | 114,337,000 | 106,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,120,000 | 388,769,000 | 393,125,000 | 417,743,000 |
| Interest-bearing deposits | 350,437,000 | 345,907,000 | 347,275,000 | 371,721,000 |
| Noninterest-bearing deposits | 44,683,000 | 42,862,000 | 45,850,000 | 46,022,000 |
| Equity capital | 45,111,000 | 46,555,000 | 47,570,000 | 48,816,000 |
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 | 5,671,000 | 11,386,000 | 16,981,000 | 22,945,000 |
| Interest expense | 1,609,000 | 3,218,000 | 4,904,000 | 6,741,000 |
| Net interest income | 4,062,000 | 8,168,000 | 12,077,000 | 16,204,000 |
| Noninterest income | 755,000 | 1,542,000 | 2,218,000 | 2,894,000 |
| Noninterest expense | 2,757,000 | 5,514,000 | 8,257,000 | 11,023,000 |
| Provision for loan losses | 137,000 | 228,000 | 263,000 | 503,000 |
| Pretax income | 1,923,000 | 3,968,000 | 5,775,000 | 7,572,000 |
| Income tax | 566,000 | 1,167,000 | 1,819,000 | 2,370,000 |
| Net income | 1,357,000 | 2,801,000 | 3,956,000 | 5,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,018,000 | 46,465,000 | 47,483,000 | 48,732,000 |
| Total capital | 48,855,000 | 50,323,000 | 51,367,000 | 52,850,000 |
| Risk-weighted assets | 337,707,000 | 331,274,000 | 348,312,000 | 357,005,000 |