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 | 274,147,000 | 268,163,000 | 281,096,000 | 265,525,000 |
| Total loans | 197,083,000 | 196,325,000 | 188,140,000 | 185,860,000 |
| Allowance for loan losses | 6,051,000 | 6,025,000 | 6,178,000 | 6,177,000 |
| Securities available for sale | 49,158,000 | 48,348,000 | 49,338,000 | 51,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,032,000 | 225,548,000 | 237,915,000 | 223,184,000 |
| Interest-bearing deposits | 204,110,000 | 195,508,000 | 197,380,000 | 192,629,000 |
| Noninterest-bearing deposits | 28,922,000 | 30,040,000 | 40,535,000 | 30,555,000 |
| Equity capital | 25,436,000 | 26,316,000 | 26,751,000 | 26,871,000 |
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 | 4,647,000 | 9,285,000 | 13,933,000 | 18,430,000 |
| Interest expense | 2,384,000 | 4,560,000 | 6,591,000 | 8,483,000 |
| Net interest income | 2,263,000 | 4,725,000 | 7,342,000 | 9,947,000 |
| Noninterest income | 750,000 | 1,492,000 | 2,102,000 | 2,735,000 |
| Noninterest expense | 2,057,000 | 4,065,000 | 6,013,000 | 8,157,000 |
| Provision for loan losses | 110,000 | 280,000 | 375,000 | 563,000 |
| Pretax income | 846,000 | 1,872,000 | 3,056,000 | 3,962,000 |
| Income tax | 312,000 | 678,000 | 1,111,000 | 1,434,000 |
| Net income | 534,000 | 1,194,000 | 1,945,000 | 2,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,208,000 | 25,520,000 | 25,849,000 | 25,985,000 |
| Total capital | 27,561,000 | 27,832,000 | 28,139,000 | 28,217,000 |
| Risk-weighted assets | 184,534,000 | 181,225,000 | 179,336,000 | 174,575,000 |