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 | 533,745,000 | 522,180,000 | 530,916,000 | 556,806,000 |
| Total loans | 416,279,000 | 402,558,000 | 414,303,000 | 438,466,000 |
| Allowance for loan losses | 4,504,000 | 4,519,000 | 4,800,000 | 4,213,000 |
| Securities available for sale | 76,705,000 | 77,693,000 | 75,906,000 | 74,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,347,000 | 378,122,000 | 376,512,000 | 391,410,000 |
| Interest-bearing deposits | 319,419,000 | 312,366,000 | 308,889,000 | 329,365,000 |
| Noninterest-bearing deposits | 60,928,000 | 65,756,000 | 67,623,000 | 62,045,000 |
| Equity capital | 64,085,000 | 65,580,000 | 65,780,000 | 66,196,000 |
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 | 7,733,000 | 15,872,000 | 24,528,000 | 33,741,000 |
| Interest expense | 1,930,000 | 4,048,000 | 6,404,000 | 9,059,000 |
| Net interest income | 5,803,000 | 11,824,000 | 18,124,000 | 24,682,000 |
| Noninterest income | 1,357,000 | 2,606,000 | 3,980,000 | 5,054,000 |
| Noninterest expense | 3,593,000 | 7,149,000 | 10,898,000 | 14,573,000 |
| Provision for loan losses | 215,000 | 434,000 | 714,000 | 936,000 |
| Pretax income | 3,570,000 | 7,065,000 | 10,710,000 | 14,445,000 |
| Income tax | 251,000 | 509,000 | 770,000 | 913,000 |
| Net income | 3,319,000 | 6,556,000 | 9,940,000 | 13,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,253,000 | 57,146,000 | 58,106,000 | 58,810,000 |
| Total capital | 60,269,000 | 61,222,000 | 62,394,000 | 63,023,000 |
| Risk-weighted assets | 320,823,000 | 325,646,000 | 342,517,000 | 352,180,000 |