Call reports 2005
CITIZENS BANK, THE — 2005
What CITIZENS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 494,205,000 | 498,091,000 | 479,754,000 | 479,592,000 |
| Total loans | 188,970,000 | 192,372,000 | 196,041,000 | 206,428,000 |
| Allowance for loan losses | 2,830,000 | 2,781,000 | 2,927,000 | 2,935,000 |
| Securities available for sale | 234,387,000 | 243,700,000 | 232,862,000 | 223,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,382,000 | 408,801,000 | 392,992,000 | 395,887,000 |
| Interest-bearing deposits | 314,916,000 | 315,258,000 | 303,846,000 | 296,543,000 |
| Noninterest-bearing deposits | 92,466,000 | 93,543,000 | 89,146,000 | 99,344,000 |
| Equity capital | 34,060,000 | 37,095,000 | 35,351,000 | 34,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,911,000 | 12,053,000 | 18,346,000 | 24,529,000 |
| Interest expense | 1,593,000 | 3,404,000 | 5,291,000 | 7,160,000 |
| Net interest income | 4,318,000 | 8,649,000 | 13,055,000 | 17,369,000 |
| Noninterest income | 2,563,000 | 4,338,000 | 5,992,000 | 7,630,000 |
| Noninterest expense | 3,083,000 | 6,214,000 | 9,410,000 | 12,688,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,410,000 | 6,235,000 | 8,952,000 | 11,453,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,410,000 | 6,235,000 | 8,952,000 | 11,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,765,000 | 36,900,000 | 37,453,000 | 37,644,000 |
| Total capital | 38,687,000 | 39,779,000 | 40,502,000 | 40,716,000 |
| Risk-weighted assets | 261,693,000 | 262,109,000 | 262,524,000 | 268,027,000 |