Call reports 2005
CITIZENS BANK — 2005
What CITIZENS BANK 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 | 1,364,401,000 | 1,430,605,000 | 1,479,290,000 | 1,553,624,000 |
| Total loans | 884,548,000 | 892,928,000 | 948,703,000 | 947,359,000 |
| Allowance for loan losses | 8,594,000 | 8,736,000 | 8,695,000 | 8,468,000 |
| Securities available for sale | 355,193,000 | 349,363,000 | 393,124,000 | 453,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 1,995,000 |
| Total deposits | 1,061,286,000 | 1,182,564,000 | 1,195,578,000 | 1,242,144,000 |
| Interest-bearing deposits | 872,584,000 | 979,123,000 | 992,453,000 | 1,031,565,000 |
| Noninterest-bearing deposits | 188,702,000 | 203,441,000 | 203,125,000 | 210,579,000 |
| Equity capital | 146,695,000 | 152,907,000 | 153,329,000 | 153,987,000 |
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 | 15,494,000 | 31,696,000 | 48,929,000 | 67,850,000 |
| Interest expense | 5,020,000 | 10,714,000 | 17,510,000 | 25,686,000 |
| Net interest income | 10,474,000 | 20,982,000 | 31,419,000 | 42,164,000 |
| Noninterest income | 2,916,000 | 6,266,000 | 10,124,000 | 14,105,000 |
| Noninterest expense | 7,984,000 | 16,043,000 | 24,327,000 | 33,518,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,832,000 |
| Pretax income | 5,327,000 | 10,306,000 | 16,053,000 | 21,106,000 |
| Income tax | 2,010,000 | 3,885,000 | 6,033,000 | 7,969,000 |
| Net income | 3,317,000 | 6,421,000 | 10,020,000 | 13,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,700,000 | 75,338,000 | 79,475,000 | 83,143,000 |
| Total capital | 80,294,000 | 84,074,000 | 88,170,000 | 91,830,000 |
| Risk-weighted assets | 707,202,000 | 720,738,000 | 767,819,000 | 788,411,000 |