Call reports 2005
CITIZENS BANK — 2005
What CITIZENS BANK 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 | 176,588,000 | 170,863,000 | 180,583,000 | 182,023,000 |
| Total loans | 150,633,000 | 151,071,000 | 156,755,000 | 159,882,000 |
| Allowance for loan losses | 2,051,000 | 2,106,000 | 2,159,000 | 2,185,000 |
| Securities available for sale | 9,428,000 | 10,278,000 | 11,173,000 | 12,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,975,000 | 147,265,000 | 155,891,000 | 154,131,000 |
| Interest-bearing deposits | 129,222,000 | 124,596,000 | 133,658,000 | 131,233,000 |
| Noninterest-bearing deposits | 25,754,000 | 22,670,000 | 22,233,000 | 22,898,000 |
| Equity capital | 14,538,000 | 14,887,000 | 15,374,000 | 15,740,000 |
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 | 2,525,000 | 5,146,000 | 7,985,000 | 10,990,000 |
| Interest expense | 729,000 | 1,501,000 | 2,417,000 | 3,453,000 |
| Net interest income | 1,796,000 | 3,645,000 | 5,568,000 | 7,537,000 |
| Noninterest income | 272,000 | 580,000 | 886,000 | 1,172,000 |
| Noninterest expense | 1,229,000 | 2,585,000 | 3,966,000 | 5,411,000 |
| Provision for loan losses | 110,000 | 190,000 | 240,000 | 360,000 |
| Pretax income | 729,000 | 1,450,000 | 2,248,000 | 2,938,000 |
| Income tax | 249,000 | 492,000 | 761,000 | 988,000 |
| Net income | 480,000 | 958,000 | 1,487,000 | 1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,651,000 | 15,009,000 | 15,538,000 | 16,002,000 |
| Total capital | 16,391,000 | 16,729,000 | 17,333,000 | 17,859,000 |
| Risk-weighted assets | 138,899,000 | 137,245,000 | 143,310,000 | 148,249,000 |