Call reports 2004
CITIZENS BANK OF SOUTHERN PENNSYLVANIA — 2004
What CITIZENS BANK OF SOUTHERN PENNSYLVANIA 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 | 267,551,000 | 257,651,000 | 251,946,000 | 244,911,000 |
| Total loans | 174,703,000 | 177,719,000 | 174,202,000 | 169,368,000 |
| Allowance for loan losses | 2,319,000 | 2,426,000 | 2,359,000 | 2,352,000 |
| Securities available for sale | 65,629,000 | 61,150,000 | 59,179,000 | 57,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,586,000 | 194,594,000 | 201,952,000 | 207,196,000 |
| Interest-bearing deposits | 169,615,000 | 164,458,000 | 172,402,000 | 176,613,000 |
| Noninterest-bearing deposits | 26,971,000 | 30,136,000 | 29,550,000 | 30,583,000 |
| Equity capital | 18,539,000 | 17,274,000 | 18,424,000 | 17,929,000 |
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 | 3,048,000 | 6,159,000 | 9,236,000 | 12,281,000 |
| Interest expense | 890,000 | 1,812,000 | 2,654,000 | 3,503,000 |
| Net interest income | 2,158,000 | 4,347,000 | 6,582,000 | 8,778,000 |
| Noninterest income | 380,000 | 1,064,000 | 1,538,000 | 2,050,000 |
| Noninterest expense | 1,630,000 | 3,257,000 | 4,839,000 | 6,481,000 |
| Provision for loan losses | 43,000 | 165,000 | 125,000 | 185,000 |
| Pretax income | 865,000 | 1,989,000 | 3,156,000 | 4,162,000 |
| Income tax | 238,000 | 546,000 | 861,000 | 1,119,000 |
| Net income | 627,000 | 1,443,000 | 2,295,000 | 3,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,382,000 | 18,190,000 | 18,547,000 | 18,294,000 |
| Total capital | 20,564,000 | 20,403,000 | 20,718,000 | 20,403,000 |
| Risk-weighted assets | 174,384,000 | 176,818,000 | 173,458,000 | 168,501,000 |
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