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 | 52,223,000 | 51,531,000 | 53,565,000 | 60,378,000 |
| Total loans | 33,512,000 | 34,372,000 | 35,811,000 | 35,734,000 |
| Allowance for loan losses | 581,000 | 618,000 | 649,000 | 689,000 |
| Securities available for sale | 13,186,000 | 13,521,000 | 13,397,000 | 13,841,000 |
| Securities held to maturity | 1,002,000 | 1,002,000 | 1,001,000 | 1,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,134,000 | 44,973,000 | 47,018,000 | 53,494,000 |
| Interest-bearing deposits | 42,175,000 | 40,529,000 | 42,815,000 | 43,207,000 |
| Noninterest-bearing deposits | 3,959,000 | 4,444,000 | 4,203,000 | 10,287,000 |
| Equity capital | 5,758,000 | 6,029,000 | 6,132,000 | 6,219,000 |
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 | 845,000 | 1,729,000 | 2,655,000 | 3,668,000 |
| Interest expense | 253,000 | 511,000 | 819,000 | 1,166,000 |
| Net interest income | 592,000 | 1,218,000 | 1,836,000 | 2,502,000 |
| Noninterest income | 109,000 | 216,000 | 364,000 | 482,000 |
| Noninterest expense | 359,000 | 766,000 | 1,226,000 | 1,719,000 |
| Provision for loan losses | 60,000 | 130,000 | 210,000 | 265,000 |
| Pretax income | 282,000 | 539,000 | 764,000 | 1,001,000 |
| Income tax | 65,000 | 155,000 | 205,000 | 328,000 |
| Net income | 217,000 | 384,000 | 559,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,984,000 | 6,151,000 | 6,326,000 | 6,439,000 |
| Total capital | 6,419,000 | 6,597,000 | 6,778,000 | 6,922,000 |
| Risk-weighted assets | 33,868,000 | 35,491,000 | 35,722,000 | 38,513,000 |
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