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 | 513,869,000 | 513,730,000 | 537,147,000 | 536,274,000 |
| Total loans | 390,852,000 | 383,614,000 | 402,954,000 | 403,770,000 |
| Allowance for loan losses | 4,593,000 | 4,716,000 | 4,785,000 | 4,430,000 |
| Securities available for sale | 79,476,000 | 85,074,000 | 89,279,000 | 86,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,330,000 | 381,081,000 | 384,222,000 | 387,055,000 |
| Interest-bearing deposits | 338,648,000 | 330,648,000 | 329,912,000 | 337,657,000 |
| Noninterest-bearing deposits | 49,682,000 | 50,433,000 | 54,310,000 | 49,398,000 |
| Equity capital | 56,669,000 | 57,928,000 | 59,967,000 | 58,245,000 |
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 | 8,943,000 | 17,623,000 | 26,329,000 | 35,004,000 |
| Interest expense | 2,923,000 | 5,534,000 | 8,078,000 | 10,465,000 |
| Net interest income | 6,020,000 | 12,089,000 | 18,251,000 | 24,539,000 |
| Noninterest income | 1,278,000 | 2,719,000 | 4,059,000 | 5,519,000 |
| Noninterest expense | 3,619,000 | 7,325,000 | 11,011,000 | 14,960,000 |
| Provision for loan losses | 323,000 | 598,000 | 897,000 | 1,195,000 |
| Pretax income | 3,356,000 | 6,953,000 | 10,445,000 | 13,982,000 |
| Income tax | 185,000 | 405,000 | 622,000 | 928,000 |
| Net income | 3,171,000 | 6,548,000 | 9,823,000 | 13,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,567,000 | 49,153,000 | 49,642,000 | 48,744,000 |
| Total capital | 52,609,000 | 53,142,000 | 53,634,000 | 52,546,000 |
| Risk-weighted assets | 322,776,000 | 318,378,000 | 318,569,000 | 303,505,000 |