Call reports 2003
CITIZENS BANK — 2003
What CITIZENS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 244,835,000 | 251,855,000 | 249,520,000 | 262,671,000 |
| Total loans | 159,265,000 | 163,344,000 | 171,186,000 | 170,452,000 |
| Allowance for loan losses | 2,031,000 | 2,119,000 | 1,939,000 | 2,108,000 |
| Securities available for sale | 12,257,000 | 11,026,000 | 10,968,000 | 12,754,000 |
| Securities held to maturity | 46,056,000 | 47,412,000 | 52,811,000 | 52,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,734,000 | 216,645,000 | 212,450,000 | 225,146,000 |
| Interest-bearing deposits | 169,779,000 | 178,325,000 | 173,943,000 | 186,762,000 |
| Noninterest-bearing deposits | 36,955,000 | 38,320,000 | 38,507,000 | 38,384,000 |
| Equity capital | 26,769,000 | 27,232,000 | 27,487,000 | 28,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,438,000 | 6,881,000 | 10,313,000 | 13,692,000 |
| Interest expense | 721,000 | 1,416,000 | 2,090,000 | 2,719,000 |
| Net interest income | 2,717,000 | 5,465,000 | 8,223,000 | 10,973,000 |
| Noninterest income | 845,000 | 1,659,000 | 2,416,000 | 3,181,000 |
| Noninterest expense | 2,106,000 | 4,302,000 | 6,499,000 | 8,615,000 |
| Provision for loan losses | 120,000 | 243,000 | 519,000 | 883,000 |
| Pretax income | 1,336,000 | 2,579,000 | 3,621,000 | 4,656,000 |
| Income tax | 344,000 | 643,000 | 862,000 | 1,065,000 |
| Net income | 992,000 | 1,936,000 | 2,759,000 | 3,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,569,000 | 27,062,000 | 27,361,000 | 27,890,000 |
| Total capital | 28,600,000 | 29,181,000 | 29,300,000 | 29,998,000 |
| Risk-weighted assets | 176,506,000 | 182,423,000 | 186,949,000 | 188,931,000 |
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