Call reports 2004
CITIZENS BANK, THE — 2004
What CITIZENS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,857,000 | 102,088,000 | 106,885,000 | 106,798,000 |
| Total loans | 68,249,000 | 69,494,000 | 73,957,000 | 74,479,000 |
| Allowance for loan losses | 879,000 | 952,000 | 921,000 | 909,000 |
| Securities available for sale | 28,443,000 | 27,714,000 | 28,093,000 | 27,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,213,000 | 88,483,000 | 89,942,000 | 92,790,000 |
| Interest-bearing deposits | 79,860,000 | 72,852,000 | 73,348,000 | 79,300,000 |
| Noninterest-bearing deposits | 15,353,000 | 15,631,000 | 16,594,000 | 13,490,000 |
| Equity capital | 8,038,000 | 7,728,000 | 8,079,000 | 7,979,000 |
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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,499,000 | 3,015,000 | 4,608,000 | 6,141,000 |
| Interest expense | 225,000 | 422,000 | 641,000 | 906,000 |
| Net interest income | 1,274,000 | 2,593,000 | 3,967,000 | 5,235,000 |
| Noninterest income | 334,000 | 683,000 | 1,058,000 | 1,458,000 |
| Noninterest expense | 651,000 | 1,308,000 | 2,004,000 | 2,589,000 |
| Provision for loan losses | 75,000 | 151,000 | 226,000 | 401,000 |
| Pretax income | 856,000 | 1,791,000 | 2,769,000 | 3,677,000 |
| Income tax | 317,000 | 665,000 | 1,028,000 | 1,364,000 |
| Net income | 539,000 | 1,126,000 | 1,741,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,675,000 | 7,807,000 | 7,912,000 | 7,967,000 |
| Total capital | 8,554,000 | 8,739,000 | 8,833,000 | 8,876,000 |
| Risk-weighted assets | 74,117,000 | 74,533,000 | 79,047,000 | 79,626,000 |
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