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 | 19,731,000 | 19,320,000 | 19,856,000 | 20,296,000 |
| Total loans | 13,027,000 | 13,141,000 | 13,167,000 | 13,465,000 |
| Allowance for loan losses | 168,000 | 174,000 | 199,000 | 205,000 |
| Securities available for sale | 4,338,000 | 5,044,000 | 4,849,000 | 5,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,404,000 | 16,128,000 | 16,471,000 | 16,989,000 |
| Interest-bearing deposits | 13,827,000 | 13,825,000 | 13,819,000 | 13,878,000 |
| Noninterest-bearing deposits | 2,577,000 | 2,303,000 | 2,652,000 | 3,111,000 |
| Equity capital | 1,782,000 | 1,649,000 | 1,747,000 | 1,760,000 |
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 | 283,000 | 547,000 | 815,000 | 1,098,000 |
| Interest expense | 61,000 | 126,000 | 195,000 | 270,000 |
| Net interest income | 222,000 | 421,000 | 620,000 | 828,000 |
| Noninterest income | 58,000 | 101,000 | 139,000 | 213,000 |
| Noninterest expense | 191,000 | 363,000 | 544,000 | 770,000 |
| Provision for loan losses | 3,000 | 6,000 | 8,000 | 11,000 |
| Pretax income | 95,000 | 162,000 | 221,000 | 274,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 95,000 | 162,000 | 221,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,732,000 | 1,674,000 | 1,733,000 | 1,776,000 |
| Total capital | 1,892,000 | 1,826,000 | 1,893,000 | 1,940,000 |
| Risk-weighted assets | 12,822,000 | 12,176,000 | 12,278,000 | 13,103,000 |