Call reports 2005
CITIZENS BANK — 2005
What CITIZENS BANK 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 | 274,867,000 | 270,763,000 | 282,238,000 | 301,089,000 |
| Total loans | 182,160,000 | 185,701,000 | 191,973,000 | 186,602,000 |
| Allowance for loan losses | 5,503,000 | 5,488,000 | 5,435,000 | 5,347,000 |
| Securities available for sale | 59,376,000 | 58,306,000 | 56,111,000 | 62,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,936,000 | 234,822,000 | 245,904,000 | 266,578,000 |
| Interest-bearing deposits | 202,731,000 | 199,691,000 | 198,533,000 | 213,528,000 |
| Noninterest-bearing deposits | 35,205,000 | 35,131,000 | 47,371,000 | 53,050,000 |
| Equity capital | 28,125,000 | 28,779,000 | 29,040,000 | 28,767,000 |
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 | 3,877,000 | 7,883,000 | 12,076,000 | 16,550,000 |
| Interest expense | 1,335,000 | 2,720,000 | 4,120,000 | 5,566,000 |
| Net interest income | 2,542,000 | 5,163,000 | 7,956,000 | 10,984,000 |
| Noninterest income | 713,000 | 1,390,000 | 2,090,000 | 2,624,000 |
| Noninterest expense | 1,880,000 | 3,801,000 | 5,784,000 | 8,140,000 |
| Provision for loan losses | 28,000 | 58,000 | 83,000 | 100,000 |
| Pretax income | 1,347,000 | 2,694,000 | 4,179,000 | 5,368,000 |
| Income tax | 468,000 | 927,000 | 1,429,000 | 1,844,000 |
| Net income | 879,000 | 1,767,000 | 2,750,000 | 3,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,585,000 | 28,926,000 | 29,337,000 | 29,463,000 |
| Total capital | 30,871,000 | 31,216,000 | 31,719,000 | 31,841,000 |
| Risk-weighted assets | 179,659,000 | 180,009,000 | 187,537,000 | 187,240,000 |