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 | 98,217,000 | 101,769,000 | 99,977,000 | 105,790,000 |
| Total loans | 25,777,000 | 25,433,000 | 26,235,000 | 26,580,000 |
| Allowance for loan losses | 891,000 | 642,000 | 651,000 | 756,000 |
| Securities available for sale | 61,445,000 | 64,760,000 | 60,644,000 | 70,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,136,000 | 86,020,000 | 83,833,000 | 88,031,000 |
| Interest-bearing deposits | 68,917,000 | 70,824,000 | 69,757,000 | 71,546,000 |
| Noninterest-bearing deposits | 14,219,000 | 15,196,000 | 14,076,000 | 16,485,000 |
| Equity capital | 14,687,000 | 15,384,000 | 15,792,000 | 15,427,000 |
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 | 1,432,000 | 2,883,000 | 4,306,000 | 5,628,000 |
| Interest expense | 552,000 | 1,085,000 | 1,587,000 | 2,054,000 |
| Net interest income | 880,000 | 1,798,000 | 2,719,000 | 3,574,000 |
| Noninterest income | 137,000 | 154,000 | 341,000 | 802,000 |
| Noninterest expense | 690,000 | 1,427,000 | 2,097,000 | 2,881,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 317,000 | 513,000 | 973,000 | 1,287,000 |
| Income tax | 115,000 | 204,000 | 319,000 | 474,000 |
| Net income | 202,000 | 309,000 | 654,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,181,000 | 15,124,000 | 15,470,000 | 15,348,000 |
| Total capital | 15,799,000 | 15,740,000 | 16,093,000 | 16,018,000 |
| Risk-weighted assets | 49,191,000 | 49,558,000 | 49,812,000 | 53,500,000 |