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 | 17,917,000 | 18,506,000 | 18,703,000 | 17,154,000 |
| Total loans | 12,960,000 | 13,305,000 | 13,746,000 | 12,974,000 |
| Allowance for loan losses | 136,000 | 130,000 | 139,000 | 141,000 |
| Securities available for sale | 3,173,000 | 3,134,000 | 3,007,000 | 2,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,995,000 | 15,479,000 | 15,292,000 | 14,206,000 |
| Interest-bearing deposits | 11,890,000 | 11,991,000 | 11,713,000 | 10,821,000 |
| Noninterest-bearing deposits | 3,105,000 | 3,488,000 | 3,579,000 | 3,385,000 |
| Equity capital | 2,828,000 | 2,938,000 | 2,902,000 | 2,889,000 |
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 | 274,000 | 567,000 | 871,000 | 1,154,000 |
| Interest expense | 35,000 | 72,000 | 113,000 | 157,000 |
| Net interest income | 239,000 | 495,000 | 758,000 | 997,000 |
| Noninterest income | 34,000 | 80,000 | 116,000 | 157,000 |
| Noninterest expense | 207,000 | 410,000 | 631,000 | 850,000 |
| Provision for loan losses | 7,000 | 15,000 | 27,000 | 41,000 |
| Pretax income | 59,000 | 150,000 | 216,000 | 263,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 150,000 | 216,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,879,000 | 2,970,000 | 2,975,000 | 2,996,000 |
| Total capital | 3,015,000 | 3,100,000 | 3,114,000 | 3,137,000 |
| Risk-weighted assets | 14,013,000 | 11,299,000 | 12,973,000 | 12,022,000 |