Call reports 2003
CITIZENS BANK, N.A. — 2003
What CITIZENS BANK, N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 228,108,000 | 233,898,000 | 231,294,000 | 240,122,000 |
| Total loans | 112,026,000 | 115,386,000 | 114,592,000 | 121,762,000 |
| Allowance for loan losses | 1,628,000 | 1,755,000 | 1,781,000 | 1,530,000 |
| Securities available for sale | 82,361,000 | 81,014,000 | 81,130,000 | 80,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,697,000 | 17,012,000 | 14,319,000 | 13,058,000 |
| Total deposits | 141,456,000 | 144,440,000 | 137,958,000 | 149,478,000 |
| Interest-bearing deposits | 120,285,000 | 121,708,000 | 114,630,000 | 124,574,000 |
| Noninterest-bearing deposits | 21,171,000 | 22,732,000 | 23,328,000 | 24,904,000 |
| Equity capital | 18,168,000 | 19,906,000 | 18,759,000 | 19,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,255,000 | 6,340,000 | 9,449,000 | 12,617,000 |
| Interest expense | 1,500,000 | 2,999,000 | 4,493,000 | 5,890,000 |
| Net interest income | 1,755,000 | 3,341,000 | 4,956,000 | 6,727,000 |
| Noninterest income | 300,000 | 1,012,000 | 1,756,000 | 2,196,000 |
| Noninterest expense | 1,612,000 | 3,365,000 | 5,040,000 | 6,814,000 |
| Provision for loan losses | 154,000 | 318,000 | 403,000 | 166,000 |
| Pretax income | 289,000 | 904,000 | 1,507,000 | 2,188,000 |
| Income tax | 7,000 | 42,000 | 65,000 | 93,000 |
| Net income | 282,000 | 862,000 | 1,442,000 | 2,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,862,000 | 17,192,000 | 17,771,000 | 18,175,000 |
| Total capital | 18,490,000 | 18,929,000 | 19,507,000 | 19,705,000 |
| Risk-weighted assets | 133,563,000 | 138,972,000 | 138,878,000 | 148,696,000 |