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 | 142,371,000 | 141,413,000 | 147,544,000 | 158,090,000 |
| Total loans | 74,006,000 | 78,294,000 | 84,107,000 | 80,978,000 |
| Allowance for loan losses | 560,000 | 577,000 | 574,000 | 581,000 |
| Securities available for sale | 56,817,000 | 50,877,000 | 46,765,000 | 64,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,954,000 | 124,213,000 | 135,685,000 | 145,013,000 |
| Interest-bearing deposits | 102,314,000 | 102,738,000 | 113,991,000 | 121,378,000 |
| Noninterest-bearing deposits | 23,640,000 | 21,476,000 | 21,694,000 | 23,635,000 |
| Equity capital | 10,995,000 | 11,431,000 | 11,214,000 | 11,136,000 |
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 | 1,786,000 | 3,650,000 | 5,595,000 | 7,773,000 |
| Interest expense | 619,000 | 1,317,000 | 2,112,000 | 3,078,000 |
| Net interest income | 1,167,000 | 2,333,000 | 3,483,000 | 4,695,000 |
| Noninterest income | 297,000 | 543,000 | 727,000 | 998,000 |
| Noninterest expense | 1,081,000 | 2,159,000 | 3,359,000 | 4,529,000 |
| Provision for loan losses | 35,000 | 55,000 | 65,000 | 75,000 |
| Pretax income | 348,000 | 648,000 | 843,000 | 1,146,000 |
| Income tax | 7,000 | 14,000 | 20,000 | 27,000 |
| Net income | 341,000 | 634,000 | 823,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,992,000 | 11,015,000 | 11,059,000 | 11,255,000 |
| Total capital | 11,552,000 | 11,592,000 | 11,633,000 | 11,836,000 |
| Risk-weighted assets | 85,173,000 | 87,407,000 | 92,413,000 | 93,412,000 |