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 | 16,833,000 | 16,666,000 | 16,505,000 | 16,981,000 |
| Total loans | 9,878,000 | 10,441,000 | 10,005,000 | 10,878,000 |
| Allowance for loan losses | 80,000 | 80,000 | 94,000 | 105,000 |
| Securities available for sale | 5,244,000 | 5,217,000 | 5,046,000 | 4,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,889,000 | 13,450,000 | 13,785,000 | 14,250,000 |
| Interest-bearing deposits | 11,444,000 | 10,950,000 | 11,454,000 | 11,789,000 |
| Noninterest-bearing deposits | 2,445,000 | 2,500,000 | 2,331,000 | 2,461,000 |
| Equity capital | 2,254,000 | 2,357,000 | 2,483,000 | 2,518,000 |
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 | 314,000 | 628,000 | 938,000 | 1,245,000 |
| Interest expense | 80,000 | 148,000 | 209,000 | 264,000 |
| Net interest income | 234,000 | 480,000 | 729,000 | 981,000 |
| Noninterest income | 44,000 | 83,000 | 126,000 | 169,000 |
| Noninterest expense | 193,000 | 368,000 | 552,000 | 758,000 |
| Provision for loan losses | 11,000 | 24,000 | 38,000 | 51,000 |
| Pretax income | 74,000 | 171,000 | 265,000 | 341,000 |
| Income tax | 26,000 | 60,000 | 92,000 | 117,000 |
| Net income | 48,000 | 111,000 | 173,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,266,000 | 2,329,000 | 2,391,000 | 2,443,000 |
| Total capital | 2,346,000 | 2,409,000 | 2,485,000 | 2,548,000 |
| Risk-weighted assets | 10,382,000 | 10,870,000 | 10,521,000 | 11,547,000 |