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 | 27,671,000 | 27,938,000 | 27,268,000 | 28,352,000 |
| Total loans | 16,299,000 | 16,779,000 | 17,174,000 | 17,980,000 |
| Allowance for loan losses | 222,000 | 220,000 | 229,000 | 236,000 |
| Securities available for sale | 4,341,000 | 4,322,000 | 4,282,000 | 3,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,893,000 | 25,035,000 | 24,246,000 | 25,509,000 |
| Interest-bearing deposits | 20,909,000 | 21,191,000 | 19,874,000 | 20,134,000 |
| Noninterest-bearing deposits | 3,984,000 | 3,844,000 | 4,372,000 | 5,375,000 |
| Equity capital | 2,727,000 | 2,759,000 | 2,862,000 | 2,690,000 |
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 | 359,000 | 739,000 | 1,111,000 | 1,481,000 |
| Interest expense | 104,000 | 200,000 | 294,000 | 378,000 |
| Net interest income | 255,000 | 539,000 | 817,000 | 1,103,000 |
| Noninterest income | 63,000 | 289,000 | 350,000 | 410,000 |
| Noninterest expense | 194,000 | 401,000 | 574,000 | 784,000 |
| Provision for loan losses | 0 | -33,000 | -33,000 | -33,000 |
| Pretax income | 124,000 | 460,000 | 626,000 | 762,000 |
| Income tax | 42,000 | 157,000 | 213,000 | 255,000 |
| Net income | 82,000 | 303,000 | 413,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,717,000 | 2,743,000 | 2,854,000 | 2,687,000 |
| Total capital | 2,939,000 | 2,963,000 | 3,080,000 | 2,921,000 |
| Risk-weighted assets | 17,912,000 | 17,875,000 | 18,069,000 | 18,689,000 |