Call reports 2005
CITIZENS BANK, THE — 2005
What CITIZENS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 107,641,000 | 111,477,000 | 111,184,000 | 116,159,000 |
| Total loans | 73,334,000 | 76,978,000 | 77,179,000 | 78,939,000 |
| Allowance for loan losses | 953,000 | 993,000 | 1,096,000 | 1,157,000 |
| Securities available for sale | 29,346,000 | 29,252,000 | 29,554,000 | 29,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,956,000 | 95,753,000 | 99,504,000 | 106,496,000 |
| Interest-bearing deposits | 82,601,000 | 81,109,000 | 82,451,000 | 92,463,000 |
| Noninterest-bearing deposits | 15,355,000 | 14,644,000 | 17,053,000 | 14,033,000 |
| Equity capital | 8,009,000 | 8,187,000 | 8,094,000 | 7,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,179,000 | 4,957,000 | 6,776,000 |
| Interest expense | 270,000 | 608,000 | 1,043,000 | 1,522,000 |
| Net interest income | 1,265,000 | 2,571,000 | 3,914,000 | 5,254,000 |
| Noninterest income | 392,000 | 702,000 | 1,026,000 | 1,412,000 |
| Noninterest expense | 616,000 | 1,213,000 | 1,823,000 | 2,798,000 |
| Provision for loan losses | 90,000 | 181,000 | 271,000 | 360,000 |
| Pretax income | 850,000 | 1,779,000 | 2,746,000 | 3,408,000 |
| Income tax | 313,000 | 662,000 | 1,024,000 | 1,244,000 |
| Net income | 537,000 | 1,117,000 | 1,722,000 | 2,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,264,000 | 8,289,000 | 8,336,000 | 8,218,000 |
| Total capital | 9,217,000 | 9,282,000 | 9,362,000 | 9,278,000 |
| Risk-weighted assets | 78,789,000 | 81,709,000 | 82,026,000 | 84,698,000 |
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