Call reports 2004
CITIZENS' BANK — 2004
What CITIZENS' BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 16,701,000 | 16,971,000 | 17,116,000 | 17,315,000 |
| Total loans | 10,381,000 | 10,983,000 | 10,972,000 | 11,718,000 |
| Allowance for loan losses | 156,000 | 158,000 | 124,000 | 129,000 |
| Securities available for sale | 4,433,000 | 4,455,000 | 2,952,000 | 3,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,822,000 | 14,174,000 | 14,164,000 | 14,376,000 |
| Interest-bearing deposits | 10,733,000 | 11,229,000 | 11,149,000 | 11,093,000 |
| Noninterest-bearing deposits | 3,089,000 | 2,945,000 | 3,015,000 | 3,283,000 |
| Equity capital | 2,721,000 | 2,652,000 | 2,768,000 | 2,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 265,000 | 510,000 | 772,000 | 1,036,000 |
| Interest expense | 34,000 | 64,000 | 96,000 | 127,000 |
| Net interest income | 231,000 | 446,000 | 676,000 | 909,000 |
| Noninterest income | 38,000 | 73,000 | 116,000 | 156,000 |
| Noninterest expense | 209,000 | 407,000 | 611,000 | 811,000 |
| Provision for loan losses | 11,000 | 19,000 | 26,000 | 34,000 |
| Pretax income | 60,000 | 104,000 | 202,000 | 267,000 |
| Income tax | 19,000 | 33,000 | 62,000 | 77,000 |
| Net income | 41,000 | 71,000 | 140,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,680,000 | 2,709,000 | 2,779,000 | 2,819,000 |
| Total capital | 2,825,000 | 2,865,000 | 2,903,000 | 2,948,000 |
| Risk-weighted assets | 11,608,000 | 12,447,000 | 11,949,000 | 12,504,000 |