Call reports 2002
CITIZENS BANK, THE — 2002
What CITIZENS BANK, THE 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 | 91,011,000 | 90,613,000 | 100,075,000 | 100,916,000 |
| Total loans | 65,972,000 | 65,814,000 | 67,525,000 | 69,284,000 |
| Allowance for loan losses | 773,000 | 822,000 | 879,000 | 864,000 |
| Securities available for sale | 20,377,000 | 20,024,000 | 21,701,000 | 23,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,904,000 | 80,171,000 | 90,377,000 | 90,740,000 |
| Interest-bearing deposits | 69,137,000 | 66,983,000 | 77,415,000 | 77,712,000 |
| Noninterest-bearing deposits | 11,767,000 | 13,188,000 | 12,962,000 | 13,028,000 |
| Equity capital | 8,007,000 | 8,071,000 | 8,053,000 | 8,071,000 |
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 | 1,683,000 | 3,347,000 | 5,032,000 | 6,689,000 |
| Interest expense | 398,000 | 747,000 | 1,125,000 | 1,515,000 |
| Net interest income | 1,285,000 | 2,600,000 | 3,907,000 | 5,174,000 |
| Noninterest income | 304,000 | 636,000 | 970,000 | 1,292,000 |
| Noninterest expense | 704,000 | 1,383,000 | 2,052,000 | 2,564,000 |
| Provision for loan losses | 45,000 | 120,000 | 165,000 | 210,000 |
| Pretax income | 840,000 | 1,746,000 | 2,673,000 | 3,705,000 |
| Income tax | 309,000 | 644,000 | 987,000 | 1,371,000 |
| Net income | 531,000 | 1,102,000 | 1,686,000 | 2,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,842,000 | 7,730,000 | 7,629,000 | 7,652,000 |
| Total capital | 8,615,000 | 8,552,000 | 8,508,000 | 8,516,000 |
| Risk-weighted assets | 68,654,000 | 70,321,000 | 73,699,000 | 75,438,000 |