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 | 87,883,000 | 91,660,000 | 94,219,000 | 102,326,000 |
| Total loans | 60,673,000 | 62,940,000 | 65,570,000 | 68,696,000 |
| Allowance for loan losses | 707,000 | 731,000 | 725,000 | 722,000 |
| Securities available for sale | 17,873,000 | 19,720,000 | 21,152,000 | 25,425,000 |
| Securities held to maturity | 3,852,000 | 3,640,000 | 3,393,000 | 3,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,426,000 | 79,819,000 | 84,357,000 | 90,866,000 |
| Interest-bearing deposits | 64,524,000 | 64,904,000 | 68,053,000 | 73,455,000 |
| Noninterest-bearing deposits | 11,902,000 | 14,915,000 | 16,304,000 | 17,411,000 |
| Equity capital | 6,866,000 | 7,277,000 | 7,315,000 | 7,472,000 |
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 | 1,280,000 | 2,649,000 | 4,130,000 | 5,725,000 |
| Interest expense | 375,000 | 803,000 | 1,295,000 | 1,863,000 |
| Net interest income | 905,000 | 1,846,000 | 2,835,000 | 3,862,000 |
| Noninterest income | 137,000 | 283,000 | 419,000 | 565,000 |
| Noninterest expense | 661,000 | 1,328,000 | 2,033,000 | 2,754,000 |
| Provision for loan losses | 130,000 | 160,000 | 183,000 | 198,000 |
| Pretax income | 251,000 | 641,000 | 1,038,000 | 1,475,000 |
| Income tax | 96,000 | 245,000 | 397,000 | 565,000 |
| Net income | 155,000 | 396,000 | 641,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,036,000 | 7,277,000 | 7,522,000 | 7,791,000 |
| Total capital | 7,743,000 | 8,008,000 | 8,247,000 | 8,513,000 |
| Risk-weighted assets | 58,803,000 | 60,534,000 | 63,757,000 | 67,059,000 |