Call reports 2004
CITIZENS BANK — 2004
What CITIZENS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 255,380,000 | 259,165,000 | 255,815,000 | 283,020,000 |
| Total loans | 167,033,000 | 166,600,000 | 169,868,000 | 170,105,000 |
| Allowance for loan losses | 1,968,000 | 1,999,000 | 2,005,000 | 2,076,000 |
| Securities available for sale | 13,912,000 | 12,826,000 | 13,825,000 | 15,470,000 |
| Securities held to maturity | 51,161,000 | 54,712,000 | 54,358,000 | 53,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,325,000 | 221,936,000 | 216,510,000 | 245,671,000 |
| Interest-bearing deposits | 177,465,000 | 182,368,000 | 175,712,000 | 201,553,000 |
| Noninterest-bearing deposits | 38,860,000 | 39,568,000 | 40,798,000 | 44,118,000 |
| Equity capital | 28,453,000 | 28,675,000 | 29,076,000 | 29,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,319,000 | 6,539,000 | 9,777,000 | 13,112,000 |
| Interest expense | 639,000 | 1,251,000 | 1,875,000 | 2,561,000 |
| Net interest income | 2,680,000 | 5,288,000 | 7,902,000 | 10,551,000 |
| Noninterest income | 767,000 | 1,611,000 | 2,411,000 | 3,170,000 |
| Noninterest expense | 2,255,000 | 4,620,000 | 7,041,000 | 9,365,000 |
| Provision for loan losses | 166,000 | 332,000 | 465,000 | 517,000 |
| Pretax income | 1,026,000 | 1,947,000 | 2,807,000 | 3,839,000 |
| Income tax | 205,000 | 355,000 | 480,000 | 675,000 |
| Net income | 821,000 | 1,592,000 | 2,327,000 | 3,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,349,000 | 28,717,000 | 29,051,000 | 29,486,000 |
| Total capital | 30,317,000 | 30,716,000 | 31,056,000 | 31,562,000 |
| Risk-weighted assets | 185,010,000 | 185,732,000 | 187,156,000 | 192,530,000 |
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