Call reports 2005
CITIZENS BANK, THE — 2005
What CITIZENS BANK, THE 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 | 86,442,000 | 84,573,000 | 84,035,000 | 85,736,000 |
| Total loans | 57,067,000 | 58,238,000 | 58,023,000 | 55,568,000 |
| Allowance for loan losses | 1,132,000 | 1,031,000 | 1,126,000 | 1,317,000 |
| Securities available for sale | 18,592,000 | 18,444,000 | 18,303,000 | 18,962,000 |
| Securities held to maturity | 1,729,000 | 1,554,000 | 1,464,000 | 1,414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,471,000 | 65,289,000 | 63,932,000 | 67,820,000 |
| Interest-bearing deposits | 59,477,000 | 56,536,000 | 55,032,000 | 57,274,000 |
| Noninterest-bearing deposits | 8,994,000 | 8,754,000 | 8,900,000 | 10,546,000 |
| Equity capital | 9,200,000 | 9,789,000 | 10,093,000 | 9,985,000 |
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 | 1,124,000 | 2,411,000 | 3,660,000 | 4,886,000 |
| Interest expense | 470,000 | 937,000 | 1,422,000 | 1,903,000 |
| Net interest income | 654,000 | 1,474,000 | 2,238,000 | 2,983,000 |
| Noninterest income | 139,000 | 290,000 | 477,000 | 618,000 |
| Noninterest expense | 550,000 | 1,091,000 | 1,678,000 | 2,266,000 |
| Provision for loan losses | 90,000 | 480,000 | 570,000 | 765,000 |
| Pretax income | 153,000 | 193,000 | 468,000 | 571,000 |
| Income tax | 25,000 | 106,000 | 64,000 | 58,000 |
| Net income | 128,000 | 529,000 | 845,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,298,000 | 9,706,000 | 10,020,000 | 10,126,000 |
| Total capital | 9,978,000 | 10,386,000 | 10,730,000 | 10,841,000 |
| Risk-weighted assets | 54,165,000 | 54,074,000 | 56,184,000 | 56,907,000 |