Call reports 2005
CITIZENS BANK, THE — 2005
What CITIZENS BANK, THE 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 | 70,362,000 | 71,166,000 | 73,438,000 | 74,518,000 |
| Total loans | 38,217,000 | 37,890,000 | 39,145,000 | 39,495,000 |
| Allowance for loan losses | 389,000 | 377,000 | 379,000 | 390,000 |
| Securities available for sale | 25,906,000 | 27,048,000 | 26,825,000 | 27,168,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,234,000 | 58,478,000 | 60,675,000 | 62,446,000 |
| Interest-bearing deposits | 49,968,000 | 50,651,000 | 50,646,000 | 50,753,000 |
| Noninterest-bearing deposits | 8,266,000 | 7,827,000 | 10,029,000 | 11,693,000 |
| Equity capital | 7,268,000 | 7,875,000 | 7,975,000 | 7,205,000 |
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 | 917,000 | 1,866,000 | 2,853,000 | 3,885,000 |
| Interest expense | 295,000 | 621,000 | 970,000 | 1,350,000 |
| Net interest income | 622,000 | 1,245,000 | 1,883,000 | 2,535,000 |
| Noninterest income | 65,000 | 130,000 | 191,000 | 260,000 |
| Noninterest expense | 279,000 | 560,000 | 828,000 | 1,302,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 35,000 |
| Pretax income | 408,000 | 800,000 | 1,231,000 | 1,475,000 |
| Income tax | 90,000 | 200,000 | 286,000 | 378,000 |
| Net income | 318,000 | 600,000 | 945,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,453,000 | 7,735,000 | 8,081,000 | 7,426,000 |
| Total capital | 7,842,000 | 8,112,000 | 8,460,000 | 7,816,000 |
| Risk-weighted assets | 43,147,000 | 42,576,000 | 44,342,000 | 44,905,000 |