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 | 78,187,000 | 80,670,000 | 84,379,000 | 86,842,000 |
| Total loans | 54,978,000 | 58,412,000 | 61,485,000 | 61,026,000 |
| Allowance for loan losses | 644,000 | 626,000 | 639,000 | 687,000 |
| Securities available for sale | 15,627,000 | 13,893,000 | 13,984,000 | 16,262,000 |
| Securities held to maturity | 4,337,000 | 3,985,000 | 3,762,000 | 4,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,425,000 | 69,412,000 | 71,845,000 | 75,352,000 |
| Interest-bearing deposits | 56,413,000 | 59,982,000 | 60,080,000 | 63,350,000 |
| Noninterest-bearing deposits | 9,012,000 | 9,430,000 | 11,765,000 | 12,002,000 |
| Equity capital | 6,835,000 | 6,732,000 | 6,954,000 | 6,856,000 |
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 | 1,122,000 | 2,299,000 | 3,527,000 | 4,772,000 |
| Interest expense | 312,000 | 622,000 | 946,000 | 1,297,000 |
| Net interest income | 810,000 | 1,677,000 | 2,581,000 | 3,475,000 |
| Noninterest income | 112,000 | 232,000 | 373,000 | 515,000 |
| Noninterest expense | 628,000 | 1,252,000 | 1,888,000 | 2,556,000 |
| Provision for loan losses | 20,000 | 39,000 | 76,000 | 135,000 |
| Pretax income | 274,000 | 618,000 | 990,000 | 1,299,000 |
| Income tax | 105,000 | 236,000 | 379,000 | 497,000 |
| Net income | 169,000 | 382,000 | 611,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,725,000 | 6,937,000 | 6,963,000 | 6,881,000 |
| Total capital | 7,369,000 | 7,563,000 | 7,602,000 | 7,568,000 |
| Risk-weighted assets | 51,457,000 | 54,557,000 | 57,409,000 | 58,242,000 |