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 | 79,893,000 | 85,755,000 | 93,651,000 | 95,668,000 |
| Total loans | 56,654,000 | 62,733,000 | 73,345,000 | 76,131,000 |
| Allowance for loan losses | 857,000 | 956,000 | 1,024,000 | 1,147,000 |
| Securities available for sale | 13,381,000 | 12,859,000 | 11,150,000 | 10,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,349,000 | 68,138,000 | 70,562,000 | 73,165,000 |
| Interest-bearing deposits | 55,284,000 | 61,029,000 | 62,712,000 | 64,273,000 |
| Noninterest-bearing deposits | 8,065,000 | 7,109,000 | 7,850,000 | 8,892,000 |
| Equity capital | 11,812,000 | 11,960,000 | 12,174,000 | 12,258,000 |
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 | 1,219,000 | 2,570,000 | 3,993,000 | 5,478,000 |
| Interest expense | 488,000 | 981,000 | 1,504,000 | 2,038,000 |
| Net interest income | 731,000 | 1,589,000 | 2,489,000 | 3,440,000 |
| Noninterest income | 205,000 | 401,000 | 654,000 | 922,000 |
| Noninterest expense | 892,000 | 1,766,000 | 2,553,000 | 3,449,000 |
| Provision for loan losses | 83,000 | 209,000 | 305,000 | 438,000 |
| Pretax income | -30,000 | 24,000 | 294,000 | 484,000 |
| Income tax | -85,000 | -52,000 | 37,000 | 107,000 |
| Net income | 55,000 | 76,000 | 257,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,913,000 | 7,025,000 | 7,205,000 | 7,325,000 |
| Total capital | 7,689,000 | 7,876,000 | 8,173,000 | 8,302,000 |
| Risk-weighted assets | 62,023,000 | 67,998,000 | 77,333,000 | 77,913,000 |
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