Call reports 2006
CITIZENS BANK, THE — 2006
What CITIZENS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,209,000 | 78,278,000 | 75,479,000 | 106,980,000 |
| Total loans | 45,394,000 | 47,859,000 | 49,575,000 | 62,228,000 |
| Allowance for loan losses | 482,000 | 492,000 | 501,000 | 664,000 |
| Securities available for sale | 18,115,000 | 17,386,000 | 17,826,000 | 28,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,814,000 | 68,837,000 | 66,650,000 | 95,435,000 |
| Interest-bearing deposits | 48,966,000 | 50,560,000 | 51,722,000 | 74,723,000 |
| Noninterest-bearing deposits | 19,848,000 | 18,277,000 | 14,928,000 | 20,712,000 |
| Equity capital | 7,598,000 | 7,467,000 | 7,709,000 | 9,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,362,000 | 3,671,000 | 5,095,000 |
| Interest expense | 292,000 | 617,000 | 983,000 | 1,430,000 |
| Net interest income | 866,000 | 1,745,000 | 2,688,000 | 3,665,000 |
| Noninterest income | 249,000 | 501,000 | 728,000 | 1,016,000 |
| Noninterest expense | 926,000 | 1,818,000 | 2,809,000 | 3,771,000 |
| Provision for loan losses | 24,000 | 59,000 | 93,000 | 147,000 |
| Pretax income | 165,000 | 369,000 | 416,000 | 665,000 |
| Income tax | 48,000 | 117,000 | 128,000 | 200,000 |
| Net income | 117,000 | 252,000 | 288,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,225,000 | 7,255,000 | 7,236,000 | 7,488,000 |
| Total capital | 7,707,000 | 7,747,000 | 7,742,000 | 8,152,000 |
| Risk-weighted assets | 45,585,000 | 47,543,000 | 47,893,000 | 61,295,000 |
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