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 | 52,152,000 | 49,454,000 | 50,732,000 | 54,663,000 |
| Total loans | 32,132,000 | 33,734,000 | 34,325,000 | 33,130,000 |
| Allowance for loan losses | 540,000 | 589,000 | 595,000 | 551,000 |
| Securities available for sale | 11,985,000 | 11,270,000 | 12,221,000 | 11,951,000 |
| Securities held to maturity | 1,004,000 | 1,003,000 | 1,003,000 | 1,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,346,000 | 43,574,000 | 44,730,000 | 48,568,000 |
| Interest-bearing deposits | 42,956,000 | 40,157,000 | 41,342,000 | 44,672,000 |
| Noninterest-bearing deposits | 3,390,000 | 3,417,000 | 3,388,000 | 3,896,000 |
| Equity capital | 5,506,000 | 5,452,000 | 5,731,000 | 5,778,000 |
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 | 788,000 | 1,618,000 | 2,453,000 | 3,275,000 |
| Interest expense | 240,000 | 479,000 | 724,000 | 974,000 |
| Net interest income | 548,000 | 1,139,000 | 1,729,000 | 2,301,000 |
| Noninterest income | 132,000 | 249,000 | 384,000 | 494,000 |
| Noninterest expense | 390,000 | 771,000 | 1,146,000 | 1,582,000 |
| Provision for loan losses | 45,000 | 105,000 | 220,000 | 300,000 |
| Pretax income | 245,000 | 516,000 | 751,000 | 917,000 |
| Income tax | 70,000 | 142,000 | 207,000 | 262,000 |
| Net income | 175,000 | 374,000 | 544,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,393,000 | 5,592,000 | 5,762,000 | 5,873,000 |
| Total capital | 5,823,000 | 6,032,000 | 6,214,000 | 6,323,000 |
| Risk-weighted assets | 34,290,000 | 35,087,000 | 35,996,000 | 35,903,000 |
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