Call reports 2002
CITIZENS BANK — 2002
What CITIZENS BANK 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 | 43,972,000 | 43,628,000 | 44,203,000 | 48,055,000 |
| Total loans | 18,724,000 | 19,426,000 | 19,106,000 | 18,561,000 |
| Allowance for loan losses | 556,000 | 562,000 | 557,000 | 546,000 |
| Securities available for sale | 0 | 0 | 0 | 1,505,000 |
| Securities held to maturity | 11,921,000 | 13,860,000 | 10,896,000 | 13,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,462,000 | 39,089,000 | 39,919,000 | 40,538,000 |
| Interest-bearing deposits | 30,662,000 | 30,675,000 | 32,528,000 | 33,002,000 |
| Noninterest-bearing deposits | 8,800,000 | 8,414,000 | 7,391,000 | 7,536,000 |
| Equity capital | 4,286,000 | 4,346,000 | 4,096,000 | 7,390,000 |
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 | 584,000 | 1,152,000 | 1,716,000 | 537,000 |
| Interest expense | 209,000 | 380,000 | 544,000 | 162,000 |
| Net interest income | 375,000 | 772,000 | 1,172,000 | 375,000 |
| Noninterest income | 69,000 | 136,000 | 203,000 | 75,000 |
| Noninterest expense | 364,000 | 742,000 | 1,566,000 | 338,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 166,000 | -191,000 | 112,000 |
| Income tax | 25,000 | 51,000 | -93,000 | 39,000 |
| Net income | 55,000 | 115,000 | -98,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,286,000 | 4,346,000 | 4,096,000 | 4,239,000 |
| Total capital | 4,555,000 | 4,624,000 | 4,378,000 | 4,516,000 |
| Risk-weighted assets | 21,266,000 | 21,927,000 | 22,273,000 | 21,922,000 |