Call reports 2005
CITIZENS' BANK, INC. — 2005
What CITIZENS' BANK, INC. 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 | 102,808,000 | 103,653,000 | 104,295,000 | 110,950,000 |
| Total loans | 46,933,000 | 45,711,000 | 48,350,000 | 57,193,000 |
| Allowance for loan losses | 569,000 | 584,000 | 599,000 | 499,000 |
| Securities available for sale | 44,595,000 | 44,549,000 | 43,870,000 | 42,222,000 |
| Securities held to maturity | 1,228,000 | 1,213,000 | 1,196,000 | 1,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,757,000 | 71,505,000 | 74,938,000 | 76,440,000 |
| Interest-bearing deposits | 52,181,000 | 53,488,000 | 54,724,000 | 54,165,000 |
| Noninterest-bearing deposits | 17,576,000 | 18,017,000 | 20,214,000 | 22,275,000 |
| Equity capital | 9,808,000 | 10,044,000 | 10,259,000 | 10,126,000 |
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 | 1,330,000 | 2,728,000 | 4,161,000 | 5,776,000 |
| Interest expense | 514,000 | 1,072,000 | 1,653,000 | 2,288,000 |
| Net interest income | 816,000 | 1,656,000 | 2,508,000 | 3,488,000 |
| Noninterest income | 203,000 | 371,000 | 549,000 | 719,000 |
| Noninterest expense | 605,000 | 1,236,000 | 1,876,000 | 2,648,000 |
| Provision for loan losses | 14,000 | 29,000 | 43,000 | 58,000 |
| Pretax income | 397,000 | 743,000 | 1,105,000 | 1,506,000 |
| Income tax | 99,000 | 208,000 | 324,000 | 375,000 |
| Net income | 298,000 | 535,000 | 781,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,981,000 | 10,135,000 | 10,362,000 | 10,389,000 |
| Total capital | 10,550,000 | 10,719,000 | 10,961,000 | 10,888,000 |
| Risk-weighted assets | 57,864,000 | 56,234,000 | 57,533,000 | 65,731,000 |