Call reports 2004
CITIZENS BANK — 2004
What CITIZENS BANK 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 | 264,491,000 | 262,200,000 | 265,639,000 | 260,948,000 |
| Total loans | 182,740,000 | 181,087,000 | 178,945,000 | 177,294,000 |
| Allowance for loan losses | 5,875,000 | 5,664,000 | 5,600,000 | 5,542,000 |
| Securities available for sale | 54,208,000 | 55,938,000 | 53,718,000 | 53,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,231,000 | 225,825,000 | 228,230,000 | 224,518,000 |
| Interest-bearing deposits | 189,729,000 | 194,213,000 | 193,440,000 | 188,572,000 |
| Noninterest-bearing deposits | 36,502,000 | 31,612,000 | 34,790,000 | 35,946,000 |
| Equity capital | 27,931,000 | 27,382,000 | 28,287,000 | 28,245,000 |
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 | 3,704,000 | 7,392,000 | 11,097,000 | 14,867,000 |
| Interest expense | 1,307,000 | 2,606,000 | 3,902,000 | 5,192,000 |
| Net interest income | 2,397,000 | 4,786,000 | 7,195,000 | 9,675,000 |
| Noninterest income | 726,000 | 1,428,000 | 2,185,000 | 2,968,000 |
| Noninterest expense | 1,916,000 | 3,844,000 | 5,716,000 | 8,051,000 |
| Provision for loan losses | 27,000 | 25,000 | 59,000 | 91,000 |
| Pretax income | 1,180,000 | 2,345,000 | 3,605,000 | 4,501,000 |
| Income tax | 403,000 | 751,000 | 1,199,000 | 1,463,000 |
| Net income | 777,000 | 1,594,000 | 2,406,000 | 3,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,385,000 | 27,705,000 | 28,019,000 | 28,154,000 |
| Total capital | 29,604,000 | 29,938,000 | 30,254,000 | 30,360,000 |
| Risk-weighted assets | 173,865,000 | 175,190,000 | 175,420,000 | 173,159,000 |