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 | 16,697,000 | 17,137,000 | 17,621,000 | 17,452,000 |
| Total loans | 10,216,000 | 9,663,000 | 9,635,000 | 10,528,000 |
| Allowance for loan losses | 113,000 | 115,000 | 127,000 | 146,000 |
| Securities available for sale | 4,451,000 | 5,833,000 | 5,828,000 | 5,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,942,000 | 14,295,000 | 14,832,000 | 13,993,000 |
| Interest-bearing deposits | 11,556,000 | 11,770,000 | 11,481,000 | 10,659,000 |
| Noninterest-bearing deposits | 2,386,000 | 2,525,000 | 3,351,000 | 3,334,000 |
| Equity capital | 2,557,000 | 2,618,000 | 2,586,000 | 2,654,000 |
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 | 288,000 | 562,000 | 830,000 | 1,105,000 |
| Interest expense | 50,000 | 96,000 | 140,000 | 176,000 |
| Net interest income | 238,000 | 466,000 | 690,000 | 929,000 |
| Noninterest income | 43,000 | 96,000 | 135,000 | 176,000 |
| Noninterest expense | 198,000 | 388,000 | 580,000 | 812,000 |
| Provision for loan losses | 14,000 | 27,000 | 40,000 | 74,000 |
| Pretax income | 69,000 | 150,000 | 209,000 | 243,000 |
| Income tax | 25,000 | 51,000 | 70,000 | 42,000 |
| Net income | 44,000 | 99,000 | 139,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,482,000 | 2,537,000 | 2,577,000 | 2,639,000 |
| Total capital | 2,595,000 | 2,652,000 | 2,704,000 | 2,785,000 |
| Risk-weighted assets | 11,014,000 | 11,488,000 | 10,600,000 | 12,106,000 |