Call reports 2005
CITIZENS BANK OF RHODE ISLAND — 2005
What CITIZENS BANK OF RHODE ISLAND 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 | 11,715,971,000 | 12,232,020,000 | 12,739,609,000 | 13,415,591,000 |
| Total loans | 7,543,106,000 | 8,211,490,000 | 8,161,379,000 | 8,656,170,000 |
| Allowance for loan losses | 69,232,000 | 75,780,000 | 69,239,000 | 59,630,000 |
| Securities available for sale | 2,106,563,000 | 2,055,576,000 | 2,443,721,000 | 2,374,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,574,000 | 5,792,000 | 6,025,000 | 17,819,000 |
| Total deposits | 8,578,763,000 | 9,448,095,000 | 8,989,714,000 | 8,701,011,000 |
| Interest-bearing deposits | 6,654,882,000 | 6,696,313,000 | 6,655,643,000 | 6,638,677,000 |
| Noninterest-bearing deposits | 1,923,881,000 | 2,751,782,000 | 2,334,071,000 | 2,062,334,000 |
| Equity capital | 1,112,105,000 | 870,082,000 | 908,135,000 | 941,869,000 |
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 | 133,826,000 | 276,689,000 | 421,807,000 | 575,736,000 |
| Interest expense | 39,843,000 | 85,552,000 | 136,795,000 | 200,479,000 |
| Net interest income | 93,983,000 | 191,137,000 | 285,012,000 | 375,257,000 |
| Noninterest income | 45,852,000 | 94,752,000 | 143,897,000 | 194,575,000 |
| Noninterest expense | 66,515,000 | 137,979,000 | 207,624,000 | 283,990,000 |
| Provision for loan losses | 17,906,000 | 32,358,000 | 34,013,000 | 34,272,000 |
| Pretax income | 57,134,000 | 119,023,000 | 190,384,000 | 263,083,000 |
| Income tax | 19,580,000 | 40,000,000 | 64,430,000 | 88,445,000 |
| Net income | 37,554,000 | 79,023,000 | 125,954,000 | 174,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 762,527,000 | 791,552,000 | 838,839,000 | 888,384,000 |
| Total capital | 831,759,000 | 867,332,000 | 908,078,000 | 951,900,000 |
| Risk-weighted assets | 8,067,832,000 | 8,457,059,000 | 8,840,796,000 | 9,223,080,000 |