Call reports 2002
CITIZENS BANK — 2002
What CITIZENS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 114,574,000 | 118,705,000 | 118,588,000 | 120,134,000 |
| Total loans | 90,404,000 | 91,382,000 | 92,340,000 | 93,073,000 |
| Allowance for loan losses | 1,118,000 | 1,216,000 | 1,216,000 | 1,278,000 |
| Securities available for sale | 8,296,000 | 13,491,000 | 12,598,000 | 15,620,000 |
| Securities held to maturity | 7,333,000 | 6,061,000 | 6,022,000 | 4,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,790,000 | 100,454,000 | 100,742,000 | 102,115,000 |
| Interest-bearing deposits | 88,258,000 | 89,733,000 | 90,269,000 | 91,274,000 |
| Noninterest-bearing deposits | 9,532,000 | 10,721,000 | 10,473,000 | 10,841,000 |
| Equity capital | 11,151,000 | 11,728,000 | 12,278,000 | 12,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,234,000 | 4,572,000 | 6,833,000 | 9,049,000 |
| Interest expense | 1,017,000 | 1,977,000 | 2,839,000 | 3,635,000 |
| Net interest income | 1,217,000 | 2,595,000 | 3,994,000 | 5,414,000 |
| Noninterest income | 196,000 | 403,000 | 587,000 | 794,000 |
| Noninterest expense | 850,000 | 1,678,000 | 2,478,000 | 3,316,000 |
| Provision for loan losses | 120,000 | 320,000 | 440,000 | 610,000 |
| Pretax income | 443,000 | 1,000,000 | 1,663,000 | 2,282,000 |
| Income tax | 136,000 | 312,000 | 524,000 | 716,000 |
| Net income | 307,000 | 688,000 | 1,139,000 | 1,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,255,000 | 11,637,000 | 12,088,000 | 11,990,000 |
| Total capital | 12,270,000 | 12,670,000 | 13,131,000 | 13,039,000 |
| Risk-weighted assets | 81,111,000 | 82,421,000 | 83,258,000 | 83,672,000 |