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 | 117,292,000 | 116,545,000 | 119,255,000 | 118,297,000 |
| Total loans | 84,757,000 | 88,136,000 | 91,144,000 | 90,626,000 |
| Allowance for loan losses | 1,196,000 | 1,277,000 | 1,297,000 | 1,199,000 |
| Securities available for sale | 16,194,000 | 16,244,000 | 16,172,000 | 15,473,000 |
| Securities held to maturity | 1,599,000 | 1,599,000 | 1,499,000 | 1,399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,745,000 | 99,986,000 | 101,296,000 | 100,450,000 |
| Interest-bearing deposits | 89,134,000 | 86,567,000 | 87,941,000 | 88,060,000 |
| Noninterest-bearing deposits | 13,611,000 | 13,419,000 | 13,355,000 | 12,390,000 |
| Equity capital | 13,618,000 | 13,873,000 | 14,135,000 | 13,726,000 |
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 | 1,833,000 | 3,672,000 | 5,589,000 | 7,497,000 |
| Interest expense | 477,000 | 980,000 | 1,518,000 | 2,095,000 |
| Net interest income | 1,356,000 | 2,692,000 | 4,071,000 | 5,402,000 |
| Noninterest income | 225,000 | 538,000 | 848,000 | 1,095,000 |
| Noninterest expense | 973,000 | 1,968,000 | 3,059,000 | 4,189,000 |
| Provision for loan losses | 172,000 | 334,000 | 496,000 | 658,000 |
| Pretax income | 436,000 | 928,000 | 1,364,000 | 1,651,000 |
| Income tax | 148,000 | 282,000 | 411,000 | 469,000 |
| Net income | 288,000 | 646,000 | 953,000 | 1,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,794,000 | 13,929,000 | 14,236,000 | 13,916,000 |
| Total capital | 14,802,000 | 14,959,000 | 15,298,000 | 14,974,000 |
| Risk-weighted assets | 80,442,000 | 82,149,000 | 84,725,000 | 84,525,000 |