Call reports 2005
CITIZENS BANK, NATIONAL ASSOCIATION — 2005
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 57,920,000 | 65,692,000 | 69,472,000 | 70,382,000 |
| Total loans | 37,147,000 | 39,689,000 | 43,078,000 | 44,067,000 |
| Allowance for loan losses | 541,000 | 539,000 | 542,000 | 583,000 |
| Securities available for sale | 13,165,000 | 13,987,000 | 15,692,000 | 15,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,436,000 | 51,159,000 | 54,087,000 | 62,895,000 |
| Interest-bearing deposits | 32,296,000 | 35,272,000 | 39,766,000 | 46,616,000 |
| Noninterest-bearing deposits | 11,140,000 | 15,887,000 | 14,321,000 | 16,279,000 |
| Equity capital | 5,989,000 | 6,145,000 | 7,125,000 | 6,958,000 |
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 | 676,000 | 1,417,000 | 2,310,000 | 3,291,000 |
| Interest expense | 170,000 | 389,000 | 674,000 | 1,040,000 |
| Net interest income | 506,000 | 1,028,000 | 1,636,000 | 2,251,000 |
| Noninterest income | 188,000 | 369,000 | 580,000 | 781,000 |
| Noninterest expense | 457,000 | 938,000 | 1,506,000 | 2,042,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 237,000 | 459,000 | 710,000 | 940,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 459,000 | 710,000 | 940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,393,000 | 4,477,000 | 5,494,000 | 5,395,000 |
| Total capital | 4,934,000 | 5,016,000 | 6,036,000 | 5,978,000 |
| Risk-weighted assets | 43,340,000 | 49,606,000 | 52,509,000 | 54,205,000 |