Call reports 2005
CITIZENS BANK COMPANY, THE — 2005
What CITIZENS BANK COMPANY, 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 | 70,769,000 | 72,143,000 | 71,158,000 | 71,011,000 |
| Total loans | 36,296,000 | 37,975,000 | 39,089,000 | 39,978,000 |
| Allowance for loan losses | 505,000 | 496,000 | 516,000 | 526,000 |
| Securities available for sale | 30,499,000 | 30,170,000 | 27,659,000 | 26,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,104,000 | 61,628,000 | 60,220,000 | 59,232,000 |
| Interest-bearing deposits | 55,838,000 | 54,040,000 | 53,500,000 | 51,085,000 |
| Noninterest-bearing deposits | 7,266,000 | 7,588,000 | 6,720,000 | 8,147,000 |
| Equity capital | 6,860,000 | 7,130,000 | 7,168,000 | 7,196,000 |
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 | 933,000 | 1,932,000 | 2,955,000 | 4,019,000 |
| Interest expense | 316,000 | 628,000 | 952,000 | 1,279,000 |
| Net interest income | 617,000 | 1,304,000 | 2,003,000 | 2,740,000 |
| Noninterest income | 103,000 | 233,000 | 354,000 | 485,000 |
| Noninterest expense | 534,000 | 1,094,000 | 1,615,000 | 2,214,000 |
| Provision for loan losses | 0 | 5,000 | 25,000 | 32,000 |
| Pretax income | 191,000 | 443,000 | 723,000 | 991,000 |
| Income tax | 25,000 | 77,000 | 149,000 | 230,000 |
| Net income | 166,000 | 366,000 | 574,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,773,000 | 6,891,000 | 7,056,000 | 7,168,000 |
| Total capital | 7,239,000 | 7,381,000 | 7,551,000 | 7,668,000 |
| Risk-weighted assets | 37,235,000 | 39,167,000 | 39,585,000 | 39,990,000 |
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