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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 153,056,000 | 152,697,000 | 164,616,000 | 166,286,000 |
| Total loans | 132,804,000 | 136,896,000 | 148,806,000 | 150,563,000 |
| Allowance for loan losses | 1,628,000 | 1,740,000 | 1,759,000 | 1,995,000 |
| Securities available for sale | 10,071,000 | 7,467,000 | 6,776,000 | 6,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,390,000 | 132,517,000 | 140,920,000 | 143,099,000 |
| Interest-bearing deposits | 110,500,000 | 112,778,000 | 120,036,000 | 121,561,000 |
| Noninterest-bearing deposits | 18,889,000 | 19,739,000 | 20,884,000 | 21,539,000 |
| Equity capital | 13,452,000 | 14,349,000 | 14,843,000 | 14,831,000 |
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 | 2,272,000 | 4,607,000 | 7,014,000 | 9,515,000 |
| Interest expense | 489,000 | 970,000 | 1,506,000 | 2,123,000 |
| Net interest income | 1,783,000 | 3,637,000 | 5,508,000 | 7,392,000 |
| Noninterest income | 297,000 | 621,000 | 934,000 | 1,207,000 |
| Noninterest expense | 1,144,000 | 2,421,000 | 3,684,000 | 5,099,000 |
| Provision for loan losses | 113,000 | 207,000 | 353,000 | 775,000 |
| Pretax income | 823,000 | 1,630,000 | 2,405,000 | 2,725,000 |
| Income tax | 281,000 | 552,000 | 812,000 | 915,000 |
| Net income | 542,000 | 1,078,000 | 1,593,000 | 1,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,380,000 | 14,387,000 | 14,817,000 | 14,839,000 |
| Total capital | 14,893,000 | 15,952,000 | 16,509,000 | 16,563,000 |
| Risk-weighted assets | 120,929,000 | 125,004,000 | 135,263,000 | 137,641,000 |