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 | 21,107,000 | 22,615,000 | 23,831,000 | 24,275,000 |
| Total loans | 14,631,000 | 16,767,000 | 19,400,000 | 19,828,000 |
| Allowance for loan losses | 211,000 | 216,000 | 239,000 | 251,000 |
| Securities available for sale | 5,028,000 | 4,279,000 | 2,867,000 | 2,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,033,000 | 19,665,000 | 20,754,000 | 21,370,000 |
| Interest-bearing deposits | 14,939,000 | 15,687,000 | 17,633,000 | 17,725,000 |
| Noninterest-bearing deposits | 3,094,000 | 3,978,000 | 3,121,000 | 3,645,000 |
| Equity capital | 1,771,000 | 1,632,000 | 1,746,000 | 1,843,000 |
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 | 316,000 | 659,000 | 1,072,000 | 1,487,000 |
| Interest expense | 82,000 | 177,000 | 289,000 | 415,000 |
| Net interest income | 234,000 | 482,000 | 783,000 | 1,072,000 |
| Noninterest income | 50,000 | 102,000 | 161,000 | 254,000 |
| Noninterest expense | 218,000 | 482,000 | 698,000 | 943,000 |
| Provision for loan losses | 3,000 | 6,000 | 28,000 | 39,000 |
| Pretax income | 63,000 | 89,000 | 203,000 | 329,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 63,000 | 89,000 | 203,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,839,000 | 1,677,000 | 1,791,000 | 1,901,000 |
| Total capital | 2,019,000 | 1,874,000 | 2,015,000 | 2,131,000 |
| Risk-weighted assets | 13,569,000 | 14,947,000 | 17,113,000 | 17,610,000 |