Call reports 2003
CITIZENS BANK, THE — 2003
What CITIZENS BANK, THE 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 | 374,649,000 | 373,773,000 | 379,834,000 | 402,825,000 |
| Total loans | 144,200,000 | 154,108,000 | 164,709,000 | 166,665,000 |
| Allowance for loan losses | 2,358,000 | 2,317,000 | 2,383,000 | 2,513,000 |
| Securities available for sale | 187,679,000 | 178,930,000 | 169,555,000 | 194,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,573,000 | 291,020,000 | 301,896,000 | 325,270,000 |
| Interest-bearing deposits | 233,462,000 | 227,639,000 | 236,790,000 | 257,943,000 |
| Noninterest-bearing deposits | 63,111,000 | 63,381,000 | 65,106,000 | 67,327,000 |
| Equity capital | 35,300,000 | 35,792,000 | 34,466,000 | 34,967,000 |
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 | 4,752,000 | 9,486,000 | 13,921,000 | 18,581,000 |
| Interest expense | 1,226,000 | 2,415,000 | 3,431,000 | 4,449,000 |
| Net interest income | 3,526,000 | 7,071,000 | 10,490,000 | 14,132,000 |
| Noninterest income | 1,309,000 | 2,736,000 | 4,179,000 | 5,980,000 |
| Noninterest expense | 2,818,000 | 5,684,000 | 8,604,000 | 11,539,000 |
| Provision for loan losses | 144,000 | 288,000 | 432,000 | 451,000 |
| Pretax income | 1,873,000 | 3,844,000 | 5,642,000 | 8,132,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,873,000 | 3,844,000 | 5,642,000 | 8,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,550,000 | 31,031,000 | 30,814,000 | 32,264,000 |
| Total capital | 32,938,000 | 33,476,000 | 33,289,000 | 34,865,000 |
| Risk-weighted assets | 204,392,000 | 208,898,000 | 213,713,000 | 223,789,000 |