Call reports 2004
CITIZENS BANK OF RHODE ISLAND — 2004
What CITIZENS BANK OF RHODE ISLAND 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 | 11,079,690,000 | 11,194,745,000 | 11,064,039,000 | 11,495,190,000 |
| Total loans | 6,748,669,000 | 6,967,488,000 | 7,078,742,000 | 7,325,488,000 |
| Allowance for loan losses | 74,846,000 | 73,879,000 | 72,796,000 | 69,571,000 |
| Securities available for sale | 2,186,239,000 | 2,139,321,000 | 2,172,934,000 | 2,148,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,640,000 | 7,796,000 | 7,972,000 | 5,284,000 |
| Total deposits | 8,096,374,000 | 8,246,047,000 | 8,297,400,000 | 8,628,527,000 |
| Interest-bearing deposits | 6,304,570,000 | 6,244,576,000 | 6,439,199,000 | 6,539,944,000 |
| Noninterest-bearing deposits | 1,791,804,000 | 2,001,471,000 | 1,858,201,000 | 2,088,583,000 |
| Equity capital | 1,077,820,000 | 1,075,485,000 | 1,051,442,000 | 1,076,153,000 |
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 | 123,197,000 | 250,024,000 | 378,445,000 | 509,917,000 |
| Interest expense | 35,824,000 | 69,728,000 | 104,860,000 | 141,875,000 |
| Net interest income | 87,373,000 | 180,296,000 | 273,585,000 | 368,042,000 |
| Noninterest income | 48,440,000 | 98,707,000 | 146,256,000 | 193,240,000 |
| Noninterest expense | 73,642,000 | 148,536,000 | 241,792,000 | 333,521,000 |
| Provision for loan losses | 86,406,000 | 117,426,000 | 141,739,000 | 153,174,000 |
| Pretax income | -20,703,000 | 17,068,000 | 40,549,000 | 78,826,000 |
| Income tax | -7,845,000 | 4,844,000 | 11,900,000 | 25,492,000 |
| Net income | -12,858,000 | 12,224,000 | 28,649,000 | 53,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 731,285,000 | 755,454,000 | 706,016,000 | 713,562,000 |
| Total capital | 806,131,000 | 829,333,000 | 778,812,000 | 783,133,000 |
| Risk-weighted assets | 7,393,471,000 | 7,445,314,000 | 7,498,808,000 | 7,789,652,000 |