Call reports 2002
CITIZENS BANK, NATIONAL ASSOCIATION — 2002
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 45,073,000 | 43,031,000 | 43,673,000 | 45,794,000 |
| Total loans | 29,435,000 | 26,145,000 | 26,477,000 | 27,477,000 |
| Allowance for loan losses | 370,000 | 398,000 | 407,000 | 414,000 |
| Securities available for sale | 9,183,000 | 11,779,000 | 10,346,000 | 11,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,135,000 | 35,608,000 | 36,558,000 | 39,781,000 |
| Interest-bearing deposits | 28,049,000 | 27,361,000 | 28,240,000 | 28,996,000 |
| Noninterest-bearing deposits | 9,086,000 | 8,247,000 | 8,318,000 | 10,784,000 |
| Equity capital | 5,573,000 | 5,680,000 | 5,748,000 | 5,723,000 |
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 | 624,000 | 1,211,000 | 1,813,000 | 2,412,000 |
| Interest expense | 213,000 | 397,000 | 564,000 | 727,000 |
| Net interest income | 411,000 | 814,000 | 1,249,000 | 1,685,000 |
| Noninterest income | 170,000 | 354,000 | 525,000 | 697,000 |
| Noninterest expense | 377,000 | 765,000 | 1,159,000 | 1,563,000 |
| Provision for loan losses | 10,000 | 40,000 | 60,000 | 75,000 |
| Pretax income | 194,000 | 363,000 | 555,000 | 744,000 |
| Income tax | -22,000 | -22,000 | -22,000 | -22,000 |
| Net income | 216,000 | 385,000 | 577,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,717,000 | 3,720,000 | 3,720,000 | 3,720,000 |
| Total capital | 4,087,000 | 4,079,000 | 4,085,000 | 4,102,000 |
| Risk-weighted assets | 31,275,000 | 28,692,000 | 29,113,000 | 30,410,000 |