Call reports 2002
CITIZENS BANK, N.A. — 2002
What CITIZENS BANK, N.A. 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 | 198,460,000 | 202,388,000 | 226,490,000 | 233,860,000 |
| Total loans | 108,820,000 | 111,134,000 | 112,600,000 | 113,624,000 |
| Allowance for loan losses | 1,139,000 | 1,168,000 | 1,230,000 | 1,454,000 |
| Securities available for sale | 56,761,000 | 60,246,000 | 73,228,000 | 81,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 16,684,000 | 14,687,000 | 22,258,000 | 18,659,000 |
| Total deposits | 127,395,000 | 129,828,000 | 141,537,000 | 147,238,000 |
| Interest-bearing deposits | 107,825,000 | 111,755,000 | 121,820,000 | 126,275,000 |
| Noninterest-bearing deposits | 19,570,000 | 18,073,000 | 19,717,000 | 20,963,000 |
| Equity capital | 17,081,000 | 18,652,000 | 19,433,000 | 19,174,000 |
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 | 3,148,000 | 6,274,000 | 9,555,000 | 12,959,000 |
| Interest expense | 1,503,000 | 2,990,000 | 4,537,000 | 6,114,000 |
| Net interest income | 1,645,000 | 3,284,000 | 5,018,000 | 6,845,000 |
| Noninterest income | 420,000 | 447,000 | 920,000 | 1,161,000 |
| Noninterest expense | 1,342,000 | 2,777,000 | 4,323,000 | 5,922,000 |
| Provision for loan losses | 79,000 | 167,000 | 278,000 | 515,000 |
| Pretax income | 679,000 | 822,000 | 1,392,000 | 1,624,000 |
| Income tax | 29,000 | 18,000 | 41,000 | 41,000 |
| Net income | 650,000 | 804,000 | 1,351,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,026,000 | 17,180,000 | 17,437,000 | 17,269,000 |
| Total capital | 18,165,000 | 18,348,000 | 18,667,000 | 18,723,000 |
| Risk-weighted assets | 126,197,000 | 126,775,000 | 133,843,000 | 136,567,000 |