Call reports 2005
CITIZENS BANK OF PENNSYLVANIA — 2005
What CITIZENS BANK OF PENNSYLVANIA 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 | 30,681,979,000 | 32,586,694,000 | 34,050,148,000 | 34,718,624,000 |
| Total loans | 18,479,958,000 | 19,608,135,000 | 20,369,172,000 | 20,645,217,000 |
| Allowance for loan losses | 211,902,000 | 208,950,000 | 205,052,000 | 182,424,000 |
| Securities available for sale | 8,528,072,000 | 8,141,640,000 | 8,910,663,000 | 9,752,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 40,900,000 |
| Total deposits | 23,553,925,000 | 24,185,990,000 | 25,157,971,000 | 25,882,032,000 |
| Interest-bearing deposits | 20,139,971,000 | 20,677,826,000 | 21,673,202,000 | 22,082,284,000 |
| Noninterest-bearing deposits | 3,413,954,000 | 3,508,164,000 | 3,484,769,000 | 3,799,748,000 |
| Equity capital | 4,131,945,000 | 4,261,829,000 | 4,405,264,000 | 4,434,817,000 |
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 | 332,853,000 | 689,286,000 | 1,073,238,000 | 1,481,437,000 |
| Interest expense | 108,768,000 | 241,739,000 | 403,833,000 | 590,149,000 |
| Net interest income | 224,085,000 | 447,547,000 | 669,405,000 | 891,288,000 |
| Noninterest income | 68,480,000 | 142,703,000 | 214,736,000 | 319,372,000 |
| Noninterest expense | 184,051,000 | 366,630,000 | 554,201,000 | 755,845,000 |
| Provision for loan losses | 13,005,000 | 26,702,000 | 42,989,000 | 54,216,000 |
| Pretax income | 103,308,000 | 212,775,000 | 303,238,000 | 416,886,000 |
| Income tax | 37,169,000 | 76,677,000 | 106,072,000 | 141,992,000 |
| Net income | 66,139,000 | 136,098,000 | 197,166,000 | 274,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,652,188,000 | 1,713,532,000 | 1,914,248,000 | 2,007,429,000 |
| Total capital | 1,949,090,000 | 1,957,482,000 | 2,154,300,000 | 2,242,598,000 |
| Risk-weighted assets | 18,510,755,000 | 19,923,737,000 | 20,991,213,000 | 21,860,965,000 |