Call reports 2003
CITIZENS BANK — 2003
What CITIZENS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,430,000 | 43,905,000 | 45,332,000 | 47,068,000 |
| Total loans | 30,467,000 | 31,626,000 | 31,054,000 | 32,062,000 |
| Allowance for loan losses | 442,000 | 470,000 | 505,000 | 525,000 |
| Securities available for sale | 7,190,000 | 7,244,000 | 8,623,000 | 9,580,000 |
| Securities held to maturity | 1,005,000 | 1,005,000 | 1,005,000 | 1,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,200,000 | 38,494,000 | 39,812,000 | 41,427,000 |
| Interest-bearing deposits | 34,005,000 | 34,873,000 | 36,269,000 | 38,359,000 |
| Noninterest-bearing deposits | 3,195,000 | 3,621,000 | 3,543,000 | 3,067,000 |
| Equity capital | 4,900,000 | 5,125,000 | 5,265,000 | 5,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,570,000 | 2,337,000 | 3,120,000 |
| Interest expense | 227,000 | 454,000 | 683,000 | 910,000 |
| Net interest income | 554,000 | 1,116,000 | 1,654,000 | 2,210,000 |
| Noninterest income | 109,000 | 215,000 | 344,000 | 463,000 |
| Noninterest expense | 331,000 | 695,000 | 1,038,000 | 1,417,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 290,000 | 534,000 | 798,000 | 1,054,000 |
| Income tax | 80,000 | 144,000 | 219,000 | 334,000 |
| Net income | 210,000 | 390,000 | 579,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,813,000 | 4,993,000 | 5,182,000 | 5,323,000 |
| Total capital | 5,202,000 | 5,396,000 | 5,589,000 | 5,744,000 |
| Risk-weighted assets | 31,096,000 | 32,135,000 | 32,459,000 | 33,592,000 |
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