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 | 32,091,000 | 31,722,000 | 31,727,000 | 32,072,000 |
| Total loans | 17,459,000 | 17,783,000 | 18,249,000 | 19,144,000 |
| Allowance for loan losses | 224,000 | 224,000 | 224,000 | 223,000 |
| Securities available for sale | 11,186,000 | 12,509,000 | 11,956,000 | 11,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,728,000 | 24,876,000 | 23,895,000 | 24,075,000 |
| Interest-bearing deposits | 20,289,000 | 20,764,000 | 20,048,000 | 19,259,000 |
| Noninterest-bearing deposits | 5,439,000 | 4,112,000 | 3,847,000 | 4,816,000 |
| Equity capital | 3,760,000 | 3,681,000 | 3,844,000 | 3,859,000 |
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 | 399,000 | 802,000 | 1,205,000 | 1,598,000 |
| Interest expense | 100,000 | 205,000 | 313,000 | 422,000 |
| Net interest income | 299,000 | 597,000 | 892,000 | 1,176,000 |
| Noninterest income | 79,000 | 159,000 | 234,000 | 298,000 |
| Noninterest expense | 268,000 | 521,000 | 783,000 | 1,052,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 235,000 | 343,000 | 432,000 |
| Income tax | 6,000 | 12,000 | 17,000 | 27,000 |
| Net income | 104,000 | 223,000 | 326,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,611,000 | 3,703,000 | 3,792,000 | 3,858,000 |
| Total capital | 3,835,000 | 3,927,000 | 4,016,000 | 4,081,000 |
| Risk-weighted assets | 20,857,000 | 21,284,000 | 21,568,000 | 22,056,000 |