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 | 28,039,000 | 28,183,000 | 83,601,000 | 84,076,000 |
| Total loans | 17,509,000 | 16,953,000 | 47,170,000 | 47,002,000 |
| Allowance for loan losses | 202,000 | 205,000 | 414,000 | 344,000 |
| Securities available for sale | 3,318,000 | 3,301,000 | 6,494,000 | 6,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,170,000 | 25,249,000 | 73,489,000 | 74,303,000 |
| Interest-bearing deposits | 19,992,000 | 20,899,000 | 61,065,000 | 59,978,000 |
| Noninterest-bearing deposits | 5,178,000 | 4,350,000 | 12,424,000 | 14,325,000 |
| Equity capital | 2,817,000 | 2,880,000 | 9,769,000 | 9,718,000 |
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 | 276,000 | 595,000 | 1,076,000 | 2,073,000 |
| Interest expense | 56,000 | 114,000 | 224,000 | 428,000 |
| Net interest income | 220,000 | 481,000 | 852,000 | 1,645,000 |
| Noninterest income | 56,000 | 102,000 | 162,000 | 223,000 |
| Noninterest expense | 216,000 | 402,000 | 715,000 | 1,296,000 |
| Provision for loan losses | 2,000 | 2,000 | 22,000 | 22,000 |
| Pretax income | 58,000 | 179,000 | 277,000 | 550,000 |
| Income tax | 35,000 | 65,000 | 29,000 | 189,000 |
| Net income | 23,000 | 114,000 | 248,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,814,000 | 2,885,000 | 9,816,000 | 9,759,000 |
| Total capital | 3,016,000 | 3,090,000 | 10,230,000 | 10,103,000 |
| Risk-weighted assets | 17,792,000 | 17,684,000 | 54,510,000 | 53,606,000 |