Call reports 2003
CITIZENS BANK — 2003
What CITIZENS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,746,000 | 52,339,000 | 54,757,000 | 53,687,000 |
| Total loans | 30,118,000 | 28,711,000 | 29,071,000 | 30,719,000 |
| Allowance for loan losses | 211,000 | 211,000 | 219,000 | 219,000 |
| Securities available for sale | 5,073,000 | 5,108,000 | 5,047,000 | 4,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,937,000 | 45,276,000 | 47,718,000 | 46,947,000 |
| Interest-bearing deposits | 37,905,000 | 38,078,000 | 38,632,000 | 38,484,000 |
| Noninterest-bearing deposits | 7,032,000 | 7,198,000 | 9,086,000 | 8,463,000 |
| Equity capital | 6,590,000 | 6,756,000 | 6,716,000 | 6,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,174,000 | 1,743,000 | 2,317,000 |
| Interest expense | 161,000 | 319,000 | 466,000 | 613,000 |
| Net interest income | 429,000 | 855,000 | 1,277,000 | 1,704,000 |
| Noninterest income | 37,000 | 76,000 | 110,000 | 143,000 |
| Noninterest expense | 312,000 | 610,000 | 944,000 | 1,327,000 |
| Provision for loan losses | 25,000 | -40,000 | -40,000 | -40,000 |
| Pretax income | 129,000 | 361,000 | 483,000 | 560,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 129,000 | 361,000 | 483,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,515,000 | 6,647,000 | 6,669,000 | 6,646,000 |
| Total capital | 6,726,000 | 6,858,000 | 6,888,000 | 6,865,000 |
| Risk-weighted assets | 33,377,000 | 32,554,000 | 33,442,000 | 34,445,000 |