Call reports 2002
CITIZENS BANK — 2002
What CITIZENS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 673,614,000 | 741,759,000 | 755,469,000 | 858,696,000 |
| Total loans | 236,503,000 | 238,419,000 | 243,990,000 | 305,271,000 |
| Allowance for loan losses | 4,556,000 | 4,526,000 | 4,391,000 | 4,590,000 |
| Securities available for sale | 321,034,000 | 305,933,000 | 334,445,000 | 346,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,290,000 | 570,536,000 | 604,387,000 | 655,919,000 |
| Interest-bearing deposits | 424,714,000 | 450,264,000 | 480,093,000 | 528,309,000 |
| Noninterest-bearing deposits | 115,576,000 | 120,272,000 | 124,294,000 | 127,610,000 |
| Equity capital | 125,372,000 | 128,174,000 | 132,176,000 | 133,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,499,000 | 15,349,000 | 23,557,000 | 32,231,000 |
| Interest expense | 2,777,000 | 5,364,000 | 8,345,000 | 11,294,000 |
| Net interest income | 4,722,000 | 9,985,000 | 15,212,000 | 20,937,000 |
| Noninterest income | 1,671,000 | 3,629,000 | 5,476,000 | 8,096,000 |
| Noninterest expense | 3,115,000 | 12,772,000 | 18,942,000 | 24,435,000 |
| Provision for loan losses | 0 | 100,000 | 400,000 | 700,000 |
| Pretax income | 3,634,000 | 1,134,000 | 1,738,000 | 4,888,000 |
| Income tax | 1,216,000 | 321,000 | 498,000 | 1,702,000 |
| Net income | 2,418,000 | 813,000 | 1,240,000 | 3,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,794,000 | 40,352,000 | 41,379,000 | 44,123,000 |
| Total capital | 44,910,000 | 43,520,000 | 44,610,000 | 48,021,000 |
| Risk-weighted assets | 247,842,000 | 252,072,000 | 257,326,000 | 311,150,000 |