Call reports 2003
CITIZENS BANK OF SOUTHERN PENNSYLVANIA — 2003
What CITIZENS BANK OF SOUTHERN PENNSYLVANIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 244,773,000 | 236,239,000 | 235,624,000 | 246,249,000 |
| Total loans | 160,910,000 | 164,671,000 | 172,285,000 | 173,075,000 |
| Allowance for loan losses | 2,030,000 | 1,978,000 | 2,146,000 | 2,312,000 |
| Securities available for sale | 65,470,000 | 54,539,000 | 44,072,000 | 52,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,555,000 | 177,063,000 | 176,931,000 | 188,068,000 |
| Interest-bearing deposits | 150,219,000 | 148,377,000 | 149,779,000 | 159,976,000 |
| Noninterest-bearing deposits | 25,336,000 | 28,686,000 | 27,152,000 | 28,092,000 |
| Equity capital | 17,335,000 | 17,712,000 | 18,117,000 | 18,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,301,000 | 6,455,000 | 9,362,000 | 12,401,000 |
| Interest expense | 1,043,000 | 1,978,000 | 2,796,000 | 3,638,000 |
| Net interest income | 2,258,000 | 4,477,000 | 6,566,000 | 8,763,000 |
| Noninterest income | 428,000 | 839,000 | 1,353,000 | 1,817,000 |
| Noninterest expense | 1,669,000 | 3,299,000 | 4,933,000 | 6,581,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 866,000 | 1,701,000 | 2,663,000 | 3,511,000 |
| Income tax | 244,000 | 482,000 | 736,000 | 963,000 |
| Net income | 622,000 | 1,219,000 | 1,927,000 | 2,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,830,000 | 17,427,000 | 18,135,000 | 18,256,000 |
| Total capital | 18,758,000 | 19,364,000 | 20,186,000 | 20,336,000 |
| Risk-weighted assets | 154,131,000 | 154,985,000 | 163,995,000 | 166,228,000 |
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