Call reports 2003
CITIZENS BANK NEW HAMPSHIRE — 2003
What CITIZENS BANK NEW HAMPSHIRE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 6,903,292,000 | 7,192,754,000 | 7,325,658,000 | 7,757,468,000 |
| Total loans | 3,556,185,000 | 3,770,966,000 | 4,024,765,000 | 4,378,343,000 |
| Allowance for loan losses | 42,753,000 | 43,602,000 | 41,430,000 | 42,907,000 |
| Securities available for sale | 2,703,448,000 | 2,876,532,000 | 2,634,969,000 | 2,950,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,126,680,000 | 5,310,401,000 | 5,288,209,000 | 5,450,493,000 |
| Interest-bearing deposits | 4,186,267,000 | 4,256,638,000 | 4,298,861,000 | 4,478,273,000 |
| Noninterest-bearing deposits | 940,413,000 | 1,053,763,000 | 989,348,000 | 972,220,000 |
| Equity capital | 584,667,000 | 601,899,000 | 603,719,000 | 596,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 81,853,000 | 164,604,000 | 247,593,000 | 330,256,000 |
| Interest expense | 24,166,000 | 46,734,000 | 67,892,000 | 89,734,000 |
| Net interest income | 57,687,000 | 117,870,000 | 179,701,000 | 240,522,000 |
| Noninterest income | 17,395,000 | 34,119,000 | 54,514,000 | 74,173,000 |
| Noninterest expense | 35,432,000 | 73,681,000 | 108,717,000 | 147,043,000 |
| Provision for loan losses | 1,662,000 | 4,086,000 | 6,445,000 | 8,787,000 |
| Pretax income | 42,524,000 | 83,895,000 | 128,725,000 | 168,542,000 |
| Income tax | 14,906,000 | 29,312,000 | 45,306,000 | 60,625,000 |
| Net income | 27,618,000 | 54,583,000 | 83,419,000 | 107,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 378,303,000 | 397,269,000 | 422,106,000 | 431,595,000 |
| Total capital | 421,056,000 | 440,871,000 | 463,536,000 | 474,502,000 |
| Risk-weighted assets | 4,060,630,000 | 4,094,089,000 | 4,357,127,000 | 4,565,715,000 |