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 | 121,715,000 | 120,495,000 | 121,813,000 | 121,269,000 |
| Total loans | 93,638,000 | 94,572,000 | 96,682,000 | 95,220,000 |
| Allowance for loan losses | 1,262,000 | 1,269,000 | 1,370,000 | 1,281,000 |
| Securities available for sale | 17,577,000 | 14,666,000 | 10,272,000 | 12,178,000 |
| Securities held to maturity | 3,318,000 | 2,727,000 | 2,721,000 | 2,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,488,000 | 103,676,000 | 104,729,000 | 104,621,000 |
| Interest-bearing deposits | 91,980,000 | 91,905,000 | 92,693,000 | 94,123,000 |
| Noninterest-bearing deposits | 11,508,000 | 11,771,000 | 12,036,000 | 10,498,000 |
| Equity capital | 12,622,000 | 13,054,000 | 13,224,000 | 13,014,000 |
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 | 2,178,000 | 4,347,000 | 6,407,000 | 8,398,000 |
| Interest expense | 742,000 | 1,446,000 | 2,059,000 | 2,636,000 |
| Net interest income | 1,436,000 | 2,901,000 | 4,348,000 | 5,762,000 |
| Noninterest income | 218,000 | 425,000 | 653,000 | 886,000 |
| Noninterest expense | 910,000 | 1,804,000 | 2,726,000 | 3,690,000 |
| Provision for loan losses | 135,000 | 470,000 | 605,000 | 740,000 |
| Pretax income | 609,000 | 1,177,000 | 1,768,000 | 2,316,000 |
| Income tax | 191,000 | 372,000 | 561,000 | 710,000 |
| Net income | 418,000 | 805,000 | 1,207,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,408,000 | 12,795,000 | 13,197,000 | 13,011,000 |
| Total capital | 13,471,000 | 13,859,000 | 14,286,000 | 14,116,000 |
| Risk-weighted assets | 84,805,000 | 84,931,000 | 86,874,000 | 88,210,000 |