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 | 82,491,000 | 81,169,000 | 82,784,000 | 88,920,000 |
| Total loans | 48,868,000 | 46,844,000 | 46,561,000 | 45,745,000 |
| Allowance for loan losses | 231,000 | 232,000 | 204,000 | 211,000 |
| Securities available for sale | 6,909,000 | 6,942,000 | 9,547,000 | 11,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,578,000 | 70,782,000 | 72,207,000 | 78,607,000 |
| Interest-bearing deposits | 60,151,000 | 58,063,000 | 60,516,000 | 63,702,000 |
| Noninterest-bearing deposits | 12,427,000 | 12,719,000 | 11,691,000 | 14,905,000 |
| Equity capital | 9,657,000 | 9,841,000 | 9,791,000 | 9,698,000 |
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 | 1,004,000 | 2,144,000 | 3,324,000 | 4,603,000 |
| Interest expense | 219,000 | 497,000 | 846,000 | 1,281,000 |
| Net interest income | 785,000 | 1,647,000 | 2,478,000 | 3,322,000 |
| Noninterest income | 82,000 | 159,000 | 234,000 | 309,000 |
| Noninterest expense | 505,000 | 938,000 | 1,413,000 | 2,085,000 |
| Provision for loan losses | -200,000 | -200,000 | -200,000 | -200,000 |
| Pretax income | 562,000 | 1,068,000 | 1,499,000 | 1,753,000 |
| Income tax | 131,000 | 292,000 | 474,000 | 573,000 |
| Net income | 431,000 | 776,000 | 1,025,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,720,000 | 9,886,000 | 9,835,000 | 9,739,000 |
| Total capital | 9,951,000 | 10,118,000 | 10,039,000 | 9,950,000 |
| Risk-weighted assets | 54,066,000 | 52,538,000 | 53,229,000 | 52,484,000 |