Call reports 2003

CITIZENS' BANK, INC. — 2003

Name: CITIZENS' BANK, INC. — FFIEC call report 2003
Creator: CITIZENS' BANK, INC.

What CITIZENS' BANK, INC. reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/a42bcaff-bd3d-44e2-bee2-6eeea4127d29/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	82,234,000	83,785,000	84,120,000	79,353,000
Total loans	35,077,000	34,696,000	37,755,000	39,054,000
Allowance for loan losses	610,000	574,000	575,000	568,000
Securities available for sale	29,982,000	29,682,000	29,966,000	29,407,000
Securities held to maturity	4,096,000	4,239,000	3,814,000	3,621,000
Trading assets	0	0	0	0
Total deposits	56,378,000	58,781,000	59,009,000	54,293,000
Interest-bearing deposits	45,312,000	46,770,000	46,467,000	43,069,000
Noninterest-bearing deposits	11,066,000	12,011,000	12,542,000	11,224,000
Equity capital	9,863,000	9,494,000	9,749,000	10,020,000

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	1,189,000	2,352,000	3,375,000	4,464,000
Interest expense	474,000	938,000	1,373,000	1,790,000
Net interest income	715,000	1,414,000	2,002,000	2,674,000
Noninterest income	219,000	408,000	605,000	845,000
Noninterest expense	596,000	1,183,000	1,778,000	2,405,000
Provision for loan losses	23,000	46,000	46,000	46,000
Pretax income	300,000	571,000	736,000	1,057,000
Income tax	103,000	206,000	309,000	316,000
Net income	197,000	365,000	427,000	741,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	9,590,000	9,756,000	9,820,000	10,031,000
Total capital	10,117,000	10,283,000	10,373,000	10,597,000
Risk-weighted assets	42,058,000	42,146,000	44,191,000	45,317,000