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 | 54,116,000 | 53,754,000 | 52,451,000 | 53,072,000 |
| Total loans | 25,775,000 | 26,364,000 | 26,182,000 | 28,406,000 |
| Allowance for loan losses | 171,000 | 186,000 | 186,000 | 186,000 |
| Securities available for sale | 6,025,000 | 8,086,000 | 6,111,000 | 6,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,395,000 | 46,861,000 | 45,353,000 | 46,381,000 |
| Interest-bearing deposits | 39,086,000 | 38,249,000 | 37,841,000 | 38,289,000 |
| Noninterest-bearing deposits | 8,309,000 | 8,612,000 | 7,512,000 | 8,092,000 |
| Equity capital | 6,435,000 | 6,593,000 | 6,676,000 | 6,527,000 |
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 | 639,000 | 1,308,000 | 1,948,000 | 2,566,000 |
| Interest expense | 221,000 | 418,000 | 612,000 | 794,000 |
| Net interest income | 418,000 | 890,000 | 1,336,000 | 1,772,000 |
| Noninterest income | 37,000 | 75,000 | 232,000 | 269,000 |
| Noninterest expense | 320,000 | 599,000 | 901,000 | 1,236,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 135,000 | 366,000 | 667,000 | 705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 366,000 | 667,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,435,000 | 6,517,000 | 6,567,000 | 6,405,000 |
| Total capital | 6,606,000 | 6,703,000 | 6,753,000 | 6,591,000 |
| Risk-weighted assets | 30,233,000 | 30,398,000 | 30,482,000 | 32,057,000 |