Call reports 2005
CITIZENS BANK NEW HAMPSHIRE — 2005
What CITIZENS BANK NEW HAMPSHIRE 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 | 8,463,574,000 | 8,953,969,000 | 9,217,006,000 | 9,723,617,000 |
| Total loans | 4,967,274,000 | 5,419,370,000 | 5,731,168,000 | 6,000,821,000 |
| Allowance for loan losses | 43,626,000 | 43,480,000 | 42,443,000 | 39,118,000 |
| Securities available for sale | 3,021,486,000 | 2,974,185,000 | 2,845,030,000 | 2,988,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 12,806,000 |
| Total deposits | 6,007,474,000 | 6,106,056,000 | 5,866,179,000 | 5,874,523,000 |
| Interest-bearing deposits | 4,961,703,000 | 4,965,516,000 | 4,771,357,000 | 4,782,275,000 |
| Noninterest-bearing deposits | 1,045,771,000 | 1,140,540,000 | 1,094,822,000 | 1,092,248,000 |
| Equity capital | 641,553,000 | 695,430,000 | 714,063,000 | 736,515,000 |
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 | 97,184,000 | 202,505,000 | 311,626,000 | 432,343,000 |
| Interest expense | 30,799,000 | 68,023,000 | 110,428,000 | 162,953,000 |
| Net interest income | 66,385,000 | 134,482,000 | 201,198,000 | 269,390,000 |
| Noninterest income | 19,317,000 | 40,630,000 | 62,711,000 | 87,051,000 |
| Noninterest expense | 33,541,000 | 66,417,000 | 99,631,000 | 139,055,000 |
| Provision for loan losses | 1,475,000 | 2,350,000 | 3,225,000 | 2,910,000 |
| Pretax income | 52,305,000 | 110,091,000 | 164,687,000 | 224,615,000 |
| Income tax | 19,025,000 | 40,196,000 | 59,958,000 | 77,851,000 |
| Net income | 33,280,000 | 69,895,000 | 104,729,000 | 146,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 492,593,000 | 519,206,000 | 554,039,000 | 596,078,000 |
| Total capital | 536,219,000 | 562,686,000 | 596,482,000 | 637,111,000 |
| Risk-weighted assets | 5,050,159,000 | 5,293,277,000 | 5,782,636,000 | 6,062,267,000 |