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 | 45,528,000 | 44,200,000 | 40,925,000 | 41,834,000 |
| Total loans | 25,885,000 | 27,768,000 | 28,653,000 | 30,146,000 |
| Allowance for loan losses | 349,000 | 394,000 | 410,000 | 397,000 |
| Securities available for sale | 11,055,000 | 10,038,000 | 7,839,000 | 7,337,000 |
| Securities held to maturity | 1,007,000 | 1,006,000 | 1,006,000 | 1,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,945,000 | 39,162,000 | 35,827,000 | 35,422,000 |
| Interest-bearing deposits | 38,168,000 | 36,243,000 | 32,382,000 | 32,545,000 |
| Noninterest-bearing deposits | 2,777,000 | 2,919,000 | 3,445,000 | 2,877,000 |
| Equity capital | 4,238,000 | 4,515,000 | 4,723,000 | 4,857,000 |
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 | 776,000 | 1,612,000 | 2,400,000 | 3,204,000 |
| Interest expense | 317,000 | 605,000 | 872,000 | 1,119,000 |
| Net interest income | 459,000 | 1,007,000 | 1,528,000 | 2,085,000 |
| Noninterest income | 128,000 | 242,000 | 394,000 | 493,000 |
| Noninterest expense | 305,000 | 634,000 | 973,000 | 1,374,000 |
| Provision for loan losses | 55,000 | 120,000 | 185,000 | 220,000 |
| Pretax income | 229,000 | 518,000 | 796,000 | 1,018,000 |
| Income tax | 0 | 110,000 | 210,000 | 305,000 |
| Net income | 229,000 | 408,000 | 586,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,224,000 | 4,402,000 | 4,581,000 | 4,711,000 |
| Total capital | 4,573,000 | 4,781,000 | 4,954,000 | 5,100,000 |
| Risk-weighted assets | 30,423,000 | 30,520,000 | 29,793,000 | 31,090,000 |
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