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 | 136,232,000 | 144,205,000 | 143,671,000 | 143,069,000 |
| Total loans | 111,347,000 | 116,697,000 | 119,258,000 | 123,958,000 |
| Allowance for loan losses | 1,017,000 | 1,400,000 | 1,446,000 | 1,536,000 |
| Securities available for sale | 10,011,000 | 10,284,000 | 10,384,000 | 9,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,881,000 | 119,774,000 | 124,002,000 | 123,338,000 |
| Interest-bearing deposits | 95,451,000 | 96,326,000 | 105,630,000 | 103,967,000 |
| Noninterest-bearing deposits | 21,429,000 | 23,449,000 | 18,372,000 | 19,371,000 |
| Equity capital | 10,837,000 | 10,966,000 | 11,342,000 | 11,648,000 |
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 | 1,982,000 | 4,139,000 | 6,372,000 | 8,581,000 |
| Interest expense | 616,000 | 1,209,000 | 1,776,000 | 2,285,000 |
| Net interest income | 1,366,000 | 2,930,000 | 4,596,000 | 6,296,000 |
| Noninterest income | 289,000 | 631,000 | 960,000 | 1,218,000 |
| Noninterest expense | 1,039,000 | 2,161,000 | 3,367,000 | 4,632,000 |
| Provision for loan losses | 90,000 | 479,000 | 589,000 | 679,000 |
| Pretax income | 526,000 | 921,000 | 1,600,000 | 2,203,000 |
| Income tax | 173,000 | 345,000 | 572,000 | 772,000 |
| Net income | 353,000 | 576,000 | 1,028,000 | 1,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,688,000 | 10,802,000 | 11,254,000 | 11,592,000 |
| Total capital | 11,705,000 | 12,124,000 | 12,621,000 | 13,007,000 |
| Risk-weighted assets | 99,696,000 | 105,699,000 | 109,293,000 | 113,099,000 |