Call reports 2002
CITIZENS BANK OF SOUTHERN PENNSYLVANIA — 2002
What CITIZENS BANK OF SOUTHERN PENNSYLVANIA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 227,791,000 | 230,321,000 | 240,523,000 | 251,612,000 |
| Total loans | 142,141,000 | 150,185,000 | 153,320,000 | 161,738,000 |
| Allowance for loan losses | 1,565,000 | 1,554,000 | 1,722,000 | 1,856,000 |
| Securities available for sale | 66,527,000 | 63,702,000 | 70,638,000 | 70,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,572,000 | 166,040,000 | 178,131,000 | 179,292,000 |
| Interest-bearing deposits | 147,173,000 | 143,253,000 | 153,949,000 | 153,675,000 |
| Noninterest-bearing deposits | 22,399,000 | 22,787,000 | 24,182,000 | 25,617,000 |
| Equity capital | 16,380,000 | 17,629,000 | 17,080,000 | 17,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,451,000 | 7,003,000 | 10,474,000 | 13,913,000 |
| Interest expense | 1,440,000 | 2,790,000 | 4,092,000 | 5,291,000 |
| Net interest income | 2,011,000 | 4,213,000 | 6,382,000 | 8,622,000 |
| Noninterest income | 458,000 | 891,000 | 1,413,000 | 1,893,000 |
| Noninterest expense | 1,620,000 | 3,265,000 | 4,984,000 | 6,763,000 |
| Provision for loan losses | 188,000 | 353,000 | 518,000 | 848,000 |
| Pretax income | 692,000 | 1,517,000 | 2,421,000 | 3,032,000 |
| Income tax | 192,000 | 420,000 | 662,000 | 816,000 |
| Net income | 500,000 | 1,097,000 | 1,759,000 | 2,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,992,000 | 16,589,000 | 16,251,000 | 16,208,000 |
| Total capital | 17,557,000 | 18,143,000 | 17,973,000 | 18,064,000 |
| Risk-weighted assets | 141,032,000 | 147,078,000 | 149,338,000 | 153,834,000 |