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 | 260,783,000 | 280,174,000 | 266,526,000 | 279,191,000 |
| Total loans | 172,517,000 | 173,809,000 | 178,933,000 | 176,093,000 |
| Allowance for loan losses | 2,124,000 | 2,161,000 | 2,139,000 | 2,103,000 |
| Securities available for sale | 15,914,000 | 15,201,000 | 16,130,000 | 17,280,000 |
| Securities held to maturity | 53,530,000 | 54,665,000 | 54,498,000 | 53,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,328,000 | 240,256,000 | 223,988,000 | 239,572,000 |
| Interest-bearing deposits | 176,655,000 | 194,191,000 | 179,169,000 | 193,054,000 |
| Noninterest-bearing deposits | 44,673,000 | 46,065,000 | 44,819,000 | 46,518,000 |
| Equity capital | 29,740,000 | 30,161,000 | 30,399,000 | 30,707,000 |
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 | 3,383,000 | 6,818,000 | 10,385,000 | 14,115,000 |
| Interest expense | 712,000 | 1,439,000 | 2,262,000 | 3,216,000 |
| Net interest income | 2,671,000 | 5,379,000 | 8,123,000 | 10,899,000 |
| Noninterest income | 751,000 | 1,540,000 | 2,354,000 | 3,124,000 |
| Noninterest expense | 2,396,000 | 4,835,000 | 7,305,000 | 9,820,000 |
| Provision for loan losses | 109,000 | 187,000 | 241,000 | 278,000 |
| Pretax income | 917,000 | 1,897,000 | 2,931,000 | 3,925,000 |
| Income tax | 155,000 | 342,000 | 543,000 | 728,000 |
| Net income | 762,000 | 1,555,000 | 2,388,000 | 3,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,845,000 | 30,227,000 | 30,465,000 | 30,790,000 |
| Total capital | 31,969,000 | 32,388,000 | 32,604,000 | 32,893,000 |
| Risk-weighted assets | 189,992,000 | 196,016,000 | 197,090,000 | 197,510,000 |
Machine access — free, no API key
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