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 | 19,732,000 | 19,265,000 | 19,023,000 | 19,877,000 |
| Total loans | 14,740,000 | 14,844,000 | 15,530,000 | 15,031,000 |
| Allowance for loan losses | 150,000 | 142,000 | 154,000 | 105,000 |
| Securities available for sale | 3,503,000 | 3,293,000 | 2,427,000 | 2,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,481,000 | 16,000,000 | 15,579,000 | 16,371,000 |
| Interest-bearing deposits | 14,092,000 | 13,784,000 | 13,502,000 | 14,011,000 |
| Noninterest-bearing deposits | 2,389,000 | 2,216,000 | 2,077,000 | 2,360,000 |
| Equity capital | 1,604,000 | 1,633,000 | 1,757,000 | 1,702,000 |
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 | 354,000 | 686,000 | 1,013,000 | 1,330,000 |
| Interest expense | 121,000 | 236,000 | 345,000 | 452,000 |
| Net interest income | 233,000 | 450,000 | 668,000 | 878,000 |
| Noninterest income | 41,000 | 90,000 | 150,000 | 222,000 |
| Noninterest expense | 167,000 | 403,000 | 569,000 | 780,000 |
| Provision for loan losses | 3,000 | 9,000 | 23,000 | 108,000 |
| Pretax income | 104,000 | 128,000 | 227,000 | 205,000 |
| Income tax | 18,000 | 26,000 | 36,000 | 13,000 |
| Net income | 86,000 | 102,000 | 191,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,585,000 | 1,593,000 | 1,698,000 | 1,649,000 |
| Total capital | 1,735,000 | 1,735,000 | 1,852,000 | 1,754,000 |
| Risk-weighted assets | 12,832,000 | 12,554,000 | 12,813,000 | 13,643,000 |