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 | 102,311,000 | 100,324,000 | 99,889,000 | 102,038,000 |
| Total loans | 30,180,000 | 31,104,000 | 37,376,000 | 36,258,000 |
| Allowance for loan losses | 951,000 | 988,000 | 938,000 | 980,000 |
| Securities available for sale | 57,784,000 | 54,641,000 | 51,889,000 | 49,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,182,000 | 85,105,000 | 84,544,000 | 87,071,000 |
| Interest-bearing deposits | 66,688,000 | 65,534,000 | 63,421,000 | 65,338,000 |
| Noninterest-bearing deposits | 20,494,000 | 19,571,000 | 21,123,000 | 21,733,000 |
| Equity capital | 14,869,000 | 15,010,000 | 15,146,000 | 14,699,000 |
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 | 1,185,000 | 2,373,000 | 3,662,000 | 4,988,000 |
| Interest expense | 310,000 | 645,000 | 1,014,000 | 1,410,000 |
| Net interest income | 875,000 | 1,728,000 | 2,648,000 | 3,578,000 |
| Noninterest income | 129,000 | 285,000 | 428,000 | 591,000 |
| Noninterest expense | 761,000 | 1,528,000 | 2,265,000 | 3,074,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 240,000 | 431,000 | 721,000 | 956,000 |
| Income tax | 92,000 | 130,000 | 229,000 | 292,000 |
| Net income | 148,000 | 301,000 | 492,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,567,000 | 15,502,000 | 15,693,000 | 15,638,000 |
| Total capital | 16,174,000 | 16,107,000 | 16,358,000 | 16,297,000 |
| Risk-weighted assets | 48,208,000 | 48,011,000 | 52,963,000 | 52,359,000 |