Call reports 2003
CITIZENS BANK OF PENNSYLVANIA — 2003
What CITIZENS BANK OF PENNSYLVANIA 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 | 23,041,195,000 | 23,869,185,000 | 24,795,833,000 | 26,738,196,000 |
| Total loans | 10,637,177,000 | 11,952,783,000 | 12,894,848,000 | 13,859,720,000 |
| Allowance for loan losses | 116,107,000 | 117,580,000 | 126,431,000 | 135,724,000 |
| Securities available for sale | 8,357,100,000 | 8,033,713,000 | 7,797,391,000 | 8,878,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,307,364,000 | 19,029,364,000 | 19,676,810,000 | 20,262,738,000 |
| Interest-bearing deposits | 15,331,585,000 | 15,975,275,000 | 16,654,245,000 | 17,193,151,000 |
| Noninterest-bearing deposits | 2,975,779,000 | 3,054,089,000 | 3,022,565,000 | 3,069,587,000 |
| Equity capital | 3,703,694,000 | 3,727,122,000 | 3,767,486,000 | 3,776,737,000 |
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 | 235,613,000 | 483,194,000 | 727,774,000 | 992,557,000 |
| Interest expense | 73,913,000 | 150,614,000 | 223,159,000 | 299,632,000 |
| Net interest income | 161,700,000 | 332,580,000 | 504,615,000 | 692,925,000 |
| Noninterest income | 45,112,000 | 96,720,000 | 148,958,000 | 202,509,000 |
| Noninterest expense | 154,394,000 | 291,124,000 | 427,934,000 | 567,098,000 |
| Provision for loan losses | 6,940,000 | 14,360,000 | 30,280,000 | 47,700,000 |
| Pretax income | 59,879,000 | 139,705,000 | 213,628,000 | 299,106,000 |
| Income tax | 20,260,000 | 47,442,000 | 71,435,000 | 89,147,000 |
| Net income | 39,619,000 | 92,263,000 | 142,193,000 | 209,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,002,962,000 | 1,077,568,000 | 1,139,651,000 | 1,250,975,000 |
| Total capital | 1,119,069,000 | 1,195,148,000 | 1,316,082,000 | 1,461,699,000 |
| Risk-weighted assets | 10,861,050,000 | 11,758,747,000 | 13,025,280,000 | 13,949,277,000 |