Call reports 2004
CITIZENS BANK OF PENNSYLVANIA — 2004
What CITIZENS BANK OF PENNSYLVANIA 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 | 27,816,626,000 | 28,374,750,000 | 28,886,428,000 | 29,788,816,000 |
| Total loans | 15,668,473,000 | 16,279,590,000 | 16,813,240,000 | 17,709,175,000 |
| Allowance for loan losses | 181,914,000 | 183,513,000 | 187,212,000 | 209,980,000 |
| Securities available for sale | 8,342,082,000 | 7,982,941,000 | 7,726,712,000 | 8,344,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,199,622,000 | 21,717,466,000 | 23,020,934,000 | 23,131,921,000 |
| Interest-bearing deposits | 18,082,684,000 | 18,476,567,000 | 19,812,909,000 | 19,851,520,000 |
| Noninterest-bearing deposits | 3,116,938,000 | 3,240,899,000 | 3,208,025,000 | 3,280,401,000 |
| Equity capital | 4,003,320,000 | 3,931,316,000 | 4,107,303,000 | 4,144,497,000 |
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 | 279,468,000 | 573,452,000 | 877,847,000 | 1,195,110,000 |
| Interest expense | 79,963,000 | 160,828,000 | 249,889,000 | 348,153,000 |
| Net interest income | 199,505,000 | 412,624,000 | 627,958,000 | 846,957,000 |
| Noninterest income | 56,753,000 | 120,880,000 | 185,363,000 | 250,764,000 |
| Noninterest expense | 169,159,000 | 342,441,000 | 518,129,000 | 704,100,000 |
| Provision for loan losses | 10,781,000 | 20,684,000 | 31,575,000 | 72,827,000 |
| Pretax income | 79,226,000 | 179,627,000 | 282,741,000 | 339,833,000 |
| Income tax | 27,338,000 | 63,507,000 | 100,417,000 | 111,394,000 |
| Net income | 51,888,000 | 116,120,000 | 182,324,000 | 228,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,331,483,000 | 1,405,530,000 | 1,490,558,000 | 1,566,531,000 |
| Total capital | 1,598,397,000 | 1,674,043,000 | 1,762,770,000 | 1,861,511,000 |
| Risk-weighted assets | 15,545,307,000 | 16,296,382,000 | 16,831,842,000 | 17,818,601,000 |