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 | 30,449,000 | 28,839,000 | 29,964,000 | 29,055,000 |
| Total loans | 17,836,000 | 16,836,000 | 17,179,000 | 16,862,000 |
| Allowance for loan losses | 222,000 | 226,000 | 226,000 | 226,000 |
| Securities available for sale | 10,575,000 | 10,539,000 | 11,034,000 | 10,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,036,000 | 22,941,000 | 24,183,000 | 23,483,000 |
| Interest-bearing deposits | 19,462,000 | 19,057,000 | 20,039,000 | 18,870,000 |
| Noninterest-bearing deposits | 4,574,000 | 3,884,000 | 4,144,000 | 4,613,000 |
| Equity capital | 3,468,000 | 3,563,000 | 3,563,000 | 3,601,000 |
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 | 392,000 | 773,000 | 1,157,000 | 1,551,000 |
| Interest expense | 113,000 | 235,000 | 364,000 | 500,000 |
| Net interest income | 279,000 | 538,000 | 793,000 | 1,051,000 |
| Noninterest income | 100,000 | 173,000 | 257,000 | 343,000 |
| Noninterest expense | 269,000 | 522,000 | 766,000 | 1,029,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 189,000 | 284,000 | 365,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 19,000 |
| Net income | 105,000 | 180,000 | 270,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,572,000 | 3,619,000 | 3,695,000 | 3,771,000 |
| Total capital | 3,794,000 | 3,845,000 | 3,921,000 | 3,997,000 |
| Risk-weighted assets | 20,366,000 | 19,426,000 | 19,947,000 | 19,586,000 |