Call reports 2005
CITIZENS BANK — 2005
What CITIZENS BANK 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 | 475,460,000 | 473,438,000 | 489,147,000 | 510,115,000 |
| Total loans | 333,529,000 | 340,537,000 | 352,557,000 | 371,301,000 |
| Allowance for loan losses | 4,240,000 | 4,301,000 | 4,400,000 | 4,621,000 |
| Securities available for sale | 108,000 | 555,000 | 65,000 | 216,000 |
| Securities held to maturity | 99,718,000 | 96,400,000 | 95,941,000 | 95,761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,109,000 | 419,017,000 | 433,763,000 | 453,792,000 |
| Interest-bearing deposits | 369,034,000 | 367,653,000 | 379,054,000 | 399,016,000 |
| Noninterest-bearing deposits | 46,075,000 | 51,364,000 | 54,709,000 | 54,776,000 |
| Equity capital | 50,093,000 | 51,389,000 | 52,475,000 | 53,608,000 |
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 | 6,337,000 | 12,832,000 | 19,625,000 | 26,792,000 |
| Interest expense | 2,123,000 | 4,376,000 | 6,912,000 | 9,773,000 |
| Net interest income | 4,214,000 | 8,456,000 | 12,713,000 | 17,019,000 |
| Noninterest income | 785,000 | 1,463,000 | 2,138,000 | 2,783,000 |
| Noninterest expense | 2,849,000 | 5,771,000 | 8,744,000 | 11,715,000 |
| Provision for loan losses | 120,000 | 235,000 | 365,000 | 616,000 |
| Pretax income | 2,030,000 | 3,913,000 | 5,742,000 | 7,471,000 |
| Income tax | 603,000 | 1,190,000 | 1,783,000 | 2,379,000 |
| Net income | 1,427,000 | 2,723,000 | 3,959,000 | 5,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,012,000 | 51,311,000 | 52,400,000 | 53,536,000 |
| Total capital | 54,252,000 | 55,612,000 | 56,800,000 | 58,157,000 |
| Risk-weighted assets | 359,223,000 | 363,569,000 | 377,303,000 | 393,186,000 |