Call reports 2007
CITIZENS BANK, THE — 2007
What CITIZENS BANK, THE 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 | 107,457,000 | 111,123,000 | 110,688,000 | 117,881,000 |
| Total loans | 62,504,000 | 63,505,000 | 68,645,000 | 68,720,000 |
| Allowance for loan losses | 681,000 | 702,000 | 653,000 | 648,000 |
| Securities available for sale | 27,572,000 | 28,009,000 | 26,622,000 | 29,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,022,000 | 98,293,000 | 96,967,000 | 103,122,000 |
| Interest-bearing deposits | 72,487,000 | 72,040,000 | 74,280,000 | 80,886,000 |
| Noninterest-bearing deposits | 23,535,000 | 26,253,000 | 22,687,000 | 22,236,000 |
| Equity capital | 10,187,000 | 10,209,000 | 10,563,000 | 10,907,000 |
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 | 1,765,000 | 3,555,000 | 5,430,000 | 7,305,000 |
| Interest expense | 571,000 | 1,187,000 | 1,850,000 | 2,515,000 |
| Net interest income | 1,194,000 | 2,368,000 | 3,580,000 | 4,790,000 |
| Noninterest income | 304,000 | 611,000 | 896,000 | 1,208,000 |
| Noninterest expense | 1,211,000 | 2,320,000 | 3,515,000 | 4,713,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 186,000 |
| Pretax income | 239,000 | 578,000 | 847,000 | 1,084,000 |
| Income tax | 80,000 | 197,000 | 278,000 | 347,000 |
| Net income | 159,000 | 381,000 | 569,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,652,000 | 7,898,000 | 8,109,000 | 8,270,000 |
| Total capital | 8,333,000 | 8,600,000 | 8,762,000 | 8,918,000 |
| Risk-weighted assets | 61,718,000 | 65,085,000 | 67,419,000 | 71,985,000 |
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