Call reports 2004
CITIZENS BANK, THE — 2004
What CITIZENS BANK, THE 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 | 423,600,000 | 440,070,000 | 454,811,000 | 467,714,000 |
| Total loans | 167,852,000 | 174,110,000 | 181,287,000 | 186,923,000 |
| Allowance for loan losses | 2,618,000 | 2,643,000 | 2,721,000 | 2,712,000 |
| Securities available for sale | 215,851,000 | 220,325,000 | 219,654,000 | 234,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,452,000 | 352,913,000 | 367,543,000 | 380,980,000 |
| Interest-bearing deposits | 267,027,000 | 338,583,000 | 292,436,000 | 302,174,000 |
| Noninterest-bearing deposits | 68,425,000 | 14,330,000 | 75,107,000 | 78,806,000 |
| Equity capital | 37,066,000 | 32,571,000 | 35,335,000 | 35,122,000 |
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 | 4,965,000 | 10,147,000 | 15,455,000 | 21,079,000 |
| Interest expense | 1,071,000 | 2,222,000 | 3,443,000 | 4,837,000 |
| Net interest income | 3,894,000 | 7,925,000 | 12,012,000 | 16,242,000 |
| Noninterest income | 1,557,000 | 3,265,000 | 5,324,000 | 6,929,000 |
| Noninterest expense | 2,921,000 | 5,824,000 | 8,820,000 | 11,962,000 |
| Provision for loan losses | 140,000 | 281,000 | 421,000 | 562,000 |
| Pretax income | 2,390,000 | 5,085,000 | 7,884,000 | 10,435,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,390,000 | 5,085,000 | 7,884,000 | 10,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,195,000 | 33,100,000 | 33,804,000 | 34,325,000 |
| Total capital | 35,840,000 | 35,782,000 | 36,553,000 | 37,169,000 |
| Risk-weighted assets | 231,330,000 | 240,144,000 | 250,380,000 | 256,610,000 |