Call reports 2004
CITIZENS BANK — 2004
What CITIZENS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 53,808,000 | 54,484,000 |
| Total loans | 30,925,000 | 31,283,000 |
| Allowance for loan losses | 219,000 | 219,000 |
| Securities available for sale | 5,219,000 | 3,184,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 46,835,000 | 47,348,000 |
| Interest-bearing deposits | 39,228,000 | 39,330,000 |
| Noninterest-bearing deposits | 7,607,000 | 8,018,000 |
| Equity capital | 6,734,000 | 6,864,000 |
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 |
|---|---|---|
| Interest income | 568,000 | 1,131,000 |
| Interest expense | 134,000 | 255,000 |
| Net interest income | 434,000 | 876,000 |
| Noninterest income | 32,000 | 66,000 |
| Noninterest expense | 349,000 | 665,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 117,000 | 277,000 |
| Income tax | 0 | 0 |
| Net income | 117,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 6,763,000 | 6,923,000 |
| Total capital | 6,982,000 | 7,142,000 |
| Risk-weighted assets | 34,651,000 | 35,663,000 |