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 | 50,492,000 | 52,014,000 | 52,834,000 | 53,388,000 |
| Total loans | 25,759,000 | 26,186,000 | 26,791,000 | 27,605,000 |
| Allowance for loan losses | 536,000 | 423,000 | 381,000 | 358,000 |
| Securities available for sale | 17,284,000 | 17,542,000 | 16,242,000 | 17,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,835,000 | 47,011,000 | 47,547,000 | 48,229,000 |
| Interest-bearing deposits | 38,606,000 | 38,979,000 | 38,787,000 | 39,457,000 |
| Noninterest-bearing deposits | 7,229,000 | 8,032,000 | 8,760,000 | 8,772,000 |
| Equity capital | 4,152,000 | 4,545,000 | 4,782,000 | 4,740,000 |
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 | 851,000 | 1,687,000 | 2,511,000 | 3,367,000 |
| Interest expense | 340,000 | 644,000 | 937,000 | 1,197,000 |
| Net interest income | 511,000 | 1,043,000 | 1,574,000 | 2,170,000 |
| Noninterest income | 182,000 | 367,000 | 546,000 | 726,000 |
| Noninterest expense | 575,000 | 1,140,000 | 1,675,000 | 2,257,000 |
| Provision for loan losses | 242,000 | 247,000 | 253,000 | 253,000 |
| Pretax income | -124,000 | 23,000 | 192,000 | 488,000 |
| Income tax | 20,000 | 20,000 | 21,000 | 123,000 |
| Net income | -144,000 | 3,000 | 171,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,205,000 | 4,352,000 | 4,520,000 | 4,594,000 |
| Total capital | 4,572,000 | 4,723,000 | 4,901,000 | 4,952,000 |
| Risk-weighted assets | 29,201,000 | 29,616,000 | 30,474,000 | 31,015,000 |