Call reports 2002
CITIZENS BANK, THE — 2002
What CITIZENS BANK, THE 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 | 353,867,000 | 362,134,000 | 366,812,000 | 363,441,000 |
| Total loans | 144,834,000 | 146,351,000 | 143,577,000 | 143,799,000 |
| Allowance for loan losses | 2,252,000 | 2,255,000 | 2,291,000 | 2,270,000 |
| Securities available for sale | 167,150,000 | 171,708,000 | 166,017,000 | 170,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,494,000 | 301,338,000 | 303,516,000 | 300,291,000 |
| Interest-bearing deposits | 235,737,000 | 245,269,000 | 245,115,000 | 243,221,000 |
| Noninterest-bearing deposits | 59,757,000 | 56,069,000 | 58,401,000 | 57,070,000 |
| Equity capital | 30,306,000 | 32,941,000 | 35,490,000 | 35,485,000 |
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 | 5,324,000 | 10,555,000 | 15,690,000 | 20,527,000 |
| Interest expense | 1,552,000 | 3,065,000 | 4,579,000 | 5,946,000 |
| Net interest income | 3,772,000 | 7,490,000 | 11,111,000 | 14,581,000 |
| Noninterest income | 1,148,000 | 2,455,000 | 3,903,000 | 5,310,000 |
| Noninterest expense | 2,546,000 | 5,201,000 | 8,052,000 | 11,141,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 435,000 |
| Pretax income | 2,269,000 | 4,534,000 | 6,647,000 | 8,315,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,269,000 | 4,534,000 | 6,647,000 | 8,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,117,000 | 29,631,000 | 29,994,000 | 30,476,000 |
| Total capital | 31,373,000 | 31,901,000 | 32,308,000 | 32,780,000 |
| Risk-weighted assets | 211,333,000 | 205,540,000 | 201,880,000 | 200,825,000 |