Call reports 2004
CITIZENS BANK COMPANY, THE — 2004
What CITIZENS BANK COMPANY, 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 | 72,742,000 | 73,696,000 | 72,930,000 | 71,761,000 |
| Total loans | 37,465,000 | 37,803,000 | 37,024,000 | 36,752,000 |
| Allowance for loan losses | 522,000 | 520,000 | 542,000 | 520,000 |
| Securities available for sale | 31,435,000 | 31,186,000 | 30,978,000 | 30,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,327,000 | 64,824,000 | 65,152,000 | 63,321,000 |
| Interest-bearing deposits | 58,488,000 | 58,726,000 | 59,050,000 | 56,118,000 |
| Noninterest-bearing deposits | 5,839,000 | 6,098,000 | 6,102,000 | 7,203,000 |
| Equity capital | 6,860,000 | 6,629,000 | 6,945,000 | 6,811,000 |
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 | 927,000 | 1,855,000 | 2,776,000 | 3,743,000 |
| Interest expense | 341,000 | 675,000 | 1,007,000 | 1,342,000 |
| Net interest income | 586,000 | 1,180,000 | 1,769,000 | 2,401,000 |
| Noninterest income | 110,000 | 229,000 | 346,000 | 453,000 |
| Noninterest expense | 526,000 | 1,044,000 | 1,572,000 | 2,094,000 |
| Provision for loan losses | 10,000 | 50,000 | 70,000 | 80,000 |
| Pretax income | 160,000 | 316,000 | 475,000 | 682,000 |
| Income tax | 12,000 | 57,000 | 86,000 | 126,000 |
| Net income | 148,000 | 259,000 | 389,000 | 556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,548,000 | 6,574,000 | 6,661,000 | 6,649,000 |
| Total capital | 7,029,000 | 7,059,000 | 7,147,000 | 7,120,000 |
| Risk-weighted assets | 38,447,000 | 38,734,000 | 38,786,000 | 37,666,000 |
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