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 | 228,657,000 | 233,851,000 | 233,299,000 | 246,416,000 |
| Total loans | 149,818,000 | 155,439,000 | 157,577,000 | 156,437,000 |
| Allowance for loan losses | 1,828,000 | 1,856,000 | 1,933,000 | 2,006,000 |
| Securities available for sale | 14,340,000 | 14,781,000 | 13,848,000 | 14,144,000 |
| Securities held to maturity | 38,794,000 | 37,865,000 | 38,110,000 | 43,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,076,000 | 200,677,000 | 197,162,000 | 209,975,000 |
| Interest-bearing deposits | 157,104,000 | 165,734,000 | 162,916,000 | 175,411,000 |
| Noninterest-bearing deposits | 35,972,000 | 34,943,000 | 34,246,000 | 34,564,000 |
| Equity capital | 24,563,000 | 25,377,000 | 25,910,000 | 26,306,000 |
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 | 3,607,000 | 7,209,000 | 10,823,000 | 14,319,000 |
| Interest expense | 756,000 | 1,489,000 | 2,242,000 | 2,997,000 |
| Net interest income | 2,851,000 | 5,720,000 | 8,581,000 | 11,322,000 |
| Noninterest income | 522,000 | 1,051,000 | 1,576,000 | 2,245,000 |
| Noninterest expense | 1,838,000 | 3,858,000 | 5,866,000 | 8,170,000 |
| Provision for loan losses | 120,000 | 246,000 | 392,000 | 558,000 |
| Pretax income | 1,419,000 | 2,671,000 | 3,903,000 | 4,843,000 |
| Income tax | 420,000 | 752,000 | 1,069,000 | 1,262,000 |
| Net income | 999,000 | 1,919,000 | 2,834,000 | 3,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,343,000 | 25,117,000 | 25,668,000 | 26,080,000 |
| Total capital | 26,171,000 | 26,973,000 | 27,601,000 | 28,086,000 |
| Risk-weighted assets | 159,192,000 | 168,503,000 | 169,742,000 | 174,120,000 |