Call reports 2002
CITIZENS BANK OF CONNECTICUT — 2002
What CITIZENS BANK OF CONNECTICUT reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 2,572,572,000 | 2,636,159,000 | 2,912,847,000 | 2,960,827,000 |
| Total loans | 1,556,962,000 | 1,561,309,000 | 1,607,270,000 | 1,574,562,000 |
| Allowance for loan losses | 16,121,000 | 17,441,000 | 18,355,000 | 18,340,000 |
| Securities available for sale | 826,386,000 | 783,499,000 | 1,056,428,000 | 1,092,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,048,426,000 | 2,148,435,000 | 2,377,605,000 | 2,396,233,000 |
| Interest-bearing deposits | 1,768,976,000 | 1,849,737,000 | 2,052,890,000 | 2,073,439,000 |
| Noninterest-bearing deposits | 279,450,000 | 298,698,000 | 324,715,000 | 322,794,000 |
| Equity capital | 251,845,000 | 258,132,000 | 261,298,000 | 272,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 38,013,000 | 75,718,000 | 114,032,000 | 153,442,000 |
| Interest expense | 13,833,000 | 27,095,000 | 41,095,000 | 54,780,000 |
| Net interest income | 24,180,000 | 48,623,000 | 72,937,000 | 98,662,000 |
| Noninterest income | 5,960,000 | 12,789,000 | 19,979,000 | 27,464,000 |
| Noninterest expense | 14,698,000 | 29,086,000 | 44,077,000 | 58,210,000 |
| Provision for loan losses | 1,049,000 | 2,548,000 | 4,097,000 | 4,446,000 |
| Pretax income | 14,441,000 | 31,402,000 | 46,660,000 | 65,388,000 |
| Income tax | 5,085,000 | 11,135,000 | 16,567,000 | 22,902,000 |
| Net income | 9,356,000 | 20,267,000 | 30,093,000 | 42,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,088,000 | 177,109,000 | 177,044,000 | 189,546,000 |
| Total capital | 195,209,000 | 194,550,000 | 195,399,000 | 207,886,000 |
| Risk-weighted assets | 1,679,567,000 | 1,699,733,000 | 1,787,593,000 | 1,783,379,000 |