Call reports 2005
CITIZENS BANK OF CONNECTICUT — 2005
What CITIZENS BANK OF CONNECTICUT 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 | 4,146,963,000 | 4,196,740,000 | 4,208,285,000 | 4,362,861,000 |
| Total loans | 2,392,395,000 | 2,451,957,000 | 2,688,318,000 | 2,853,266,000 |
| Allowance for loan losses | 22,407,000 | 23,694,000 | 22,674,000 | 21,524,000 |
| Securities available for sale | 1,449,063,000 | 1,347,877,000 | 1,270,190,000 | 1,275,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 12,047,000 |
| Total deposits | 3,415,917,000 | 3,207,818,000 | 3,351,736,000 | 3,293,670,000 |
| Interest-bearing deposits | 3,016,860,000 | 2,782,839,000 | 2,932,447,000 | 2,852,750,000 |
| Noninterest-bearing deposits | 399,057,000 | 424,979,000 | 419,289,000 | 440,920,000 |
| Equity capital | 293,975,000 | 321,862,000 | 329,369,000 | 337,735,000 |
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 | 46,071,000 | 96,142,000 | 148,308,000 | 203,741,000 |
| Interest expense | 17,141,000 | 36,611,000 | 58,686,000 | 83,488,000 |
| Net interest income | 28,930,000 | 59,531,000 | 89,622,000 | 120,253,000 |
| Noninterest income | 7,325,000 | 15,040,000 | 22,628,000 | 31,920,000 |
| Noninterest expense | 14,797,000 | 29,686,000 | 44,919,000 | 62,503,000 |
| Provision for loan losses | 2,200,000 | 2,700,000 | 2,400,000 | 2,555,000 |
| Pretax income | 20,442,000 | 44,929,000 | 67,843,000 | 90,359,000 |
| Income tax | 7,422,000 | 16,486,000 | 24,994,000 | 33,058,000 |
| Net income | 13,020,000 | 28,443,000 | 42,849,000 | 57,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,159,000 | 246,654,000 | 261,436,000 | 276,096,000 |
| Total capital | 253,566,000 | 270,348,000 | 284,110,000 | 298,357,000 |
| Risk-weighted assets | 2,419,606,000 | 2,531,000,000 | 2,657,049,000 | 2,711,874,000 |