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 | 103,486,000 | 98,897,000 | 99,421,000 | 98,850,000 |
| Total loans | 25,184,000 | 26,026,000 | 27,093,000 | 29,259,000 |
| Allowance for loan losses | 1,066,000 | 997,000 | 928,000 | 959,000 |
| Securities available for sale | 63,673,000 | 63,203,000 | 60,173,000 | 59,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,022,000 | 84,466,000 | 83,888,000 | 83,503,000 |
| Interest-bearing deposits | 64,974,000 | 65,200,000 | 65,182,000 | 63,713,000 |
| Noninterest-bearing deposits | 19,048,000 | 19,266,000 | 18,706,000 | 19,790,000 |
| Equity capital | 15,508,000 | 14,272,000 | 15,360,000 | 15,202,000 |
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 | 1,079,000 | 2,166,000 | 3,287,000 | 4,424,000 |
| Interest expense | 265,000 | 519,000 | 771,000 | 1,047,000 |
| Net interest income | 814,000 | 1,647,000 | 2,516,000 | 3,377,000 |
| Noninterest income | 139,000 | 331,000 | 480,000 | 638,000 |
| Noninterest expense | 812,000 | 1,548,000 | 2,268,000 | 3,032,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 146,000 |
| Pretax income | 137,000 | 402,000 | 668,000 | 852,000 |
| Income tax | 60,000 | 137,000 | 246,000 | 307,000 |
| Net income | 77,000 | 265,000 | 422,000 | 545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,397,000 | 15,367,000 | 15,524,000 | 15,419,000 |
| Total capital | 15,992,000 | 15,960,000 | 16,118,000 | 16,020,000 |
| Risk-weighted assets | 47,106,000 | 47,075,000 | 47,203,000 | 47,740,000 |