Call reports 2004
CITIZENS BANK, N.A. — 2004
What CITIZENS BANK, N.A. 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 | 240,379,000 | 243,168,000 | 244,218,000 | 245,935,000 |
| Total loans | 128,521,000 | 136,387,000 | 139,480,000 | 142,964,000 |
| Allowance for loan losses | 1,631,000 | 1,725,000 | 1,703,000 | 1,789,000 |
| Securities available for sale | 77,052,000 | 70,101,000 | 67,510,000 | 63,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 12,444,000 | 11,494,000 | 11,058,000 | 10,393,000 |
| Total deposits | 142,966,000 | 146,096,000 | 153,312,000 | 157,689,000 |
| Interest-bearing deposits | 119,731,000 | 122,656,000 | 127,445,000 | 132,979,000 |
| Noninterest-bearing deposits | 23,235,000 | 23,440,000 | 25,867,000 | 24,710,000 |
| Equity capital | 19,960,000 | 17,274,000 | 19,236,000 | 19,114,000 |
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 | 3,125,000 | 6,229,000 | 9,334,000 | 12,472,000 |
| Interest expense | 1,332,000 | 2,690,000 | 4,115,000 | 5,529,000 |
| Net interest income | 1,793,000 | 3,539,000 | 5,219,000 | 6,943,000 |
| Noninterest income | 294,000 | 1,054,000 | 1,433,000 | 2,058,000 |
| Noninterest expense | 1,700,000 | 3,455,000 | 5,184,000 | 7,020,000 |
| Provision for loan losses | 99,000 | 208,000 | 322,000 | 441,000 |
| Pretax income | 288,000 | 967,000 | 1,183,000 | 1,609,000 |
| Income tax | 6,000 | 37,000 | 50,000 | 61,000 |
| Net income | 282,000 | 930,000 | 1,133,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,457,000 | 18,605,000 | 18,707,000 | 18,923,000 |
| Total capital | 20,088,000 | 20,330,000 | 20,410,000 | 20,712,000 |
| Risk-weighted assets | 157,933,000 | 167,617,000 | 172,482,000 | 175,372,000 |