Call reports 2005
CITIZENS BANK, N.A. — 2005
What CITIZENS BANK, N.A. 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 | 246,432,000 | 252,160,000 | 253,609,000 | 261,673,000 |
| Total loans | 150,301,000 | 157,344,000 | 162,973,000 | 166,298,000 |
| Allowance for loan losses | 1,816,000 | 1,853,000 | 1,485,000 | 1,544,000 |
| Securities available for sale | 59,572,000 | 59,108,000 | 55,966,000 | 51,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 9,888,000 | 9,445,000 | 7,966,000 | 7,383,000 |
| Total deposits | 158,645,000 | 163,685,000 | 163,129,000 | 170,373,000 |
| Interest-bearing deposits | 129,702,000 | 135,207,000 | 133,873,000 | 137,931,000 |
| Noninterest-bearing deposits | 28,943,000 | 28,478,000 | 29,256,000 | 32,442,000 |
| Equity capital | 18,696,000 | 19,338,000 | 19,805,000 | 19,321,000 |
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 | 3,133,000 | 6,598,000 | 10,255,000 | 14,183,000 |
| Interest expense | 1,425,000 | 2,956,000 | 4,594,000 | 6,317,000 |
| Net interest income | 1,708,000 | 3,642,000 | 5,661,000 | 7,866,000 |
| Noninterest income | 715,000 | 1,055,000 | 1,640,000 | 2,286,000 |
| Noninterest expense | 1,869,000 | 3,751,000 | 5,722,000 | 7,697,000 |
| Provision for loan losses | 47,000 | 110,000 | 173,000 | 253,000 |
| Pretax income | 573,000 | 1,027,000 | 1,686,000 | 2,482,000 |
| Income tax | 7,000 | 23,000 | 54,000 | 88,000 |
| Net income | 566,000 | 1,004,000 | 1,632,000 | 2,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,289,000 | 19,127,000 | 19,584,000 | 19,975,000 |
| Total capital | 21,105,000 | 20,980,000 | 21,069,000 | 21,519,000 |
| Risk-weighted assets | 181,290,000 | 186,150,000 | 192,116,000 | 196,678,000 |