Call reports 2007
CITIZENS BANK — 2007
What CITIZENS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 246,275,000 | 252,777,000 | 258,347,000 | 262,663,000 |
| Total loans | 153,772,000 | 153,959,000 | 168,462,000 | 180,284,000 |
| Allowance for loan losses | 1,721,000 | 1,767,000 | 1,819,000 | 2,060,000 |
| Securities available for sale | 17,644,000 | 18,557,000 | 18,140,000 | 20,775,000 |
| Securities held to maturity | 17,240,000 | 15,831,000 | 14,246,000 | 13,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,528,000 | 223,387,000 | 229,776,000 | 232,938,000 |
| Interest-bearing deposits | 200,799,000 | 201,552,000 | 209,321,000 | 215,386,000 |
| Noninterest-bearing deposits | 16,728,000 | 21,835,000 | 20,455,000 | 17,552,000 |
| Equity capital | 27,569,000 | 27,988,000 | 27,018,000 | 27,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,373,000 | 8,802,000 | 13,510,000 | 18,135,000 |
| Interest expense | 1,236,000 | 2,495,000 | 3,834,000 | 5,046,000 |
| Net interest income | 3,137,000 | 6,307,000 | 9,676,000 | 13,089,000 |
| Noninterest income | 383,000 | 815,000 | 1,239,000 | 1,868,000 |
| Noninterest expense | 2,463,000 | 4,917,000 | 7,432,000 | 10,066,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 433,000 |
| Pretax income | 997,000 | 2,085,000 | 3,303,000 | 4,458,000 |
| Income tax | 340,000 | 722,000 | 1,149,000 | 1,554,000 |
| Net income | 657,000 | 1,363,000 | 2,154,000 | 2,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,506,000 | 28,212,000 | 27,063,000 | 27,803,000 |
| Total capital | 29,227,000 | 29,979,000 | 28,882,000 | 29,863,000 |
| Risk-weighted assets | 187,522,000 | 187,761,000 | 200,584,000 | 212,149,000 |
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