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 | 30,260,000 | 30,155,000 | 29,265,000 | 31,248,000 |
| Total loans | 16,809,000 | 16,990,000 | 18,027,000 | 18,351,000 |
| Allowance for loan losses | 231,000 | 223,000 | 223,000 | 225,000 |
| Securities available for sale | 11,452,000 | 11,000,000 | 9,869,000 | 11,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,505,000 | 24,590,000 | 23,728,000 | 24,392,000 |
| Interest-bearing deposits | 20,965,000 | 21,053,000 | 20,231,000 | 19,888,000 |
| Noninterest-bearing deposits | 3,540,000 | 3,537,000 | 3,497,000 | 4,504,000 |
| Equity capital | 3,744,000 | 3,810,000 | 3,821,000 | 3,918,000 |
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 | 415,000 | 794,000 | 1,166,000 | 1,562,000 |
| Interest expense | 141,000 | 275,000 | 392,000 | 497,000 |
| Net interest income | 274,000 | 519,000 | 774,000 | 1,065,000 |
| Noninterest income | 100,000 | 180,000 | 244,000 | 318,000 |
| Noninterest expense | 238,000 | 485,000 | 722,000 | 976,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 136,000 | 214,000 | 296,000 | 417,000 |
| Income tax | 41,000 | 61,000 | 82,000 | 109,000 |
| Net income | 95,000 | 153,000 | 214,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,594,000 | 3,652,000 | 3,712,000 | 3,807,000 |
| Total capital | 3,825,000 | 3,875,000 | 3,935,000 | 4,032,000 |
| Risk-weighted assets | 20,039,000 | 20,594,000 | 21,350,000 | 22,105,000 |