Call reports 2002
CITIZENS BANK, THE — 2002
What CITIZENS BANK, THE 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 | 63,096,000 | 62,567,000 | 63,908,000 | 66,985,000 |
| Total loans | 33,807,000 | 35,380,000 | 35,354,000 | 35,508,000 |
| Allowance for loan losses | 327,000 | 348,000 | 386,000 | 359,000 |
| Securities available for sale | 19,783,000 | 18,127,000 | 19,165,000 | 19,084,000 |
| Securities held to maturity | 930,000 | 814,000 | 649,000 | 537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,838,000 | 51,884,000 | 52,683,000 | 56,343,000 |
| Interest-bearing deposits | 45,807,000 | 45,561,000 | 45,438,000 | 44,405,000 |
| Noninterest-bearing deposits | 7,031,000 | 6,323,000 | 7,245,000 | 11,938,000 |
| Equity capital | 6,502,000 | 6,936,000 | 7,393,000 | 6,742,000 |
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 | 959,000 | 1,926,000 | 2,858,000 | 3,777,000 |
| Interest expense | 430,000 | 826,000 | 1,199,000 | 1,547,000 |
| Net interest income | 529,000 | 1,100,000 | 1,659,000 | 2,230,000 |
| Noninterest income | 61,000 | 129,000 | 203,000 | 273,000 |
| Noninterest expense | 238,000 | 480,000 | 731,000 | 1,130,000 |
| Provision for loan losses | 0 | 20,000 | 80,000 | 80,000 |
| Pretax income | 352,000 | 729,000 | 1,051,000 | 1,293,000 |
| Income tax | 63,000 | 151,000 | 214,000 | 355,000 |
| Net income | 289,000 | 578,000 | 837,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,433,000 | 6,722,000 | 6,981,000 | 6,437,000 |
| Total capital | 6,760,000 | 7,070,000 | 7,367,000 | 6,796,000 |
| Risk-weighted assets | 37,865,000 | 37,985,000 | 38,326,000 | 39,169,000 |