Call reports 2004
CITIZENS BANK NEW HAMPSHIRE — 2004
What CITIZENS BANK NEW HAMPSHIRE 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 | 7,808,924,000 | 8,358,895,000 | 8,253,128,000 | 8,444,510,000 |
| Total loans | 4,556,570,000 | 4,719,045,000 | 4,751,531,000 | 4,891,907,000 |
| Allowance for loan losses | 44,476,000 | 45,638,000 | 45,567,000 | 43,535,000 |
| Securities available for sale | 2,712,528,000 | 3,064,950,000 | 2,948,405,000 | 2,930,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,756,430,000 | 5,942,808,000 | 6,112,943,000 | 6,137,722,000 |
| Interest-bearing deposits | 4,701,077,000 | 4,866,362,000 | 5,016,389,000 | 5,082,225,000 |
| Noninterest-bearing deposits | 1,055,353,000 | 1,076,446,000 | 1,096,554,000 | 1,055,497,000 |
| Equity capital | 631,316,000 | 596,619,000 | 627,962,000 | 640,860,000 |
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 | 85,909,000 | 172,653,000 | 265,883,000 | 361,290,000 |
| Interest expense | 23,040,000 | 46,171,000 | 71,317,000 | 98,315,000 |
| Net interest income | 62,869,000 | 126,482,000 | 194,566,000 | 262,975,000 |
| Noninterest income | 20,127,000 | 40,850,000 | 61,741,000 | 82,495,000 |
| Noninterest expense | 33,678,000 | 68,441,000 | 102,334,000 | 138,385,000 |
| Provision for loan losses | 2,668,000 | 4,446,000 | 5,702,000 | 5,702,000 |
| Pretax income | 49,386,000 | 98,229,000 | 152,094,000 | 205,189,000 |
| Income tax | 17,972,000 | 36,063,000 | 56,505,000 | 74,481,000 |
| Net income | 31,414,000 | 62,166,000 | 95,589,000 | 130,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 443,019,000 | 463,770,000 | 441,194,000 | 459,313,000 |
| Total capital | 487,495,000 | 509,408,000 | 486,761,000 | 502,848,000 |
| Risk-weighted assets | 4,624,790,000 | 4,808,403,000 | 4,739,347,000 | 4,930,806,000 |