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 | 29,325,000 | 30,098,000 | 29,606,000 | 30,281,000 |
| Total loans | 16,258,000 | 17,007,000 | 17,401,000 | 17,581,000 |
| Allowance for loan losses | 232,000 | 231,000 | 230,000 | 230,000 |
| Securities available for sale | 11,657,000 | 10,858,000 | 9,962,000 | 10,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,923,000 | 23,988,000 | 23,970,000 | 24,377,000 |
| Interest-bearing deposits | 20,771,000 | 20,749,000 | 20,677,000 | 20,131,000 |
| Noninterest-bearing deposits | 3,152,000 | 3,239,000 | 3,293,000 | 4,246,000 |
| Equity capital | 3,693,000 | 3,783,000 | 3,876,000 | 3,937,000 |
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 | 496,000 | 988,000 | 1,469,000 | 1,915,000 |
| Interest expense | 180,000 | 347,000 | 505,000 | 655,000 |
| Net interest income | 316,000 | 641,000 | 964,000 | 1,260,000 |
| Noninterest income | 77,000 | 145,000 | 215,000 | 282,000 |
| Noninterest expense | 259,000 | 516,000 | 764,000 | 1,072,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 134,000 | 270,000 | 415,000 | 470,000 |
| Income tax | 41,000 | 81,000 | 125,000 | 122,000 |
| Net income | 93,000 | 189,000 | 290,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,619,000 | 3,614,000 | 3,716,000 | 3,773,000 |
| Total capital | 3,851,000 | 3,845,000 | 3,946,000 | 4,003,000 |
| Risk-weighted assets | 19,751,000 | 28,259,000 | 20,665,000 | 21,286,000 |