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 | 484,584,000 | 497,335,000 | 507,007,000 | 494,615,000 |
| Total loans | 302,127,000 | 307,738,000 | 319,945,000 | 320,770,000 |
| Allowance for loan losses | 4,640,000 | 4,495,000 | 4,400,000 | 4,433,000 |
| Securities available for sale | 151,311,000 | 153,402,000 | 154,956,000 | 146,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,086,000 | 350,354,000 | 362,071,000 | 358,578,000 |
| Interest-bearing deposits | 291,401,000 | 304,677,000 | 326,907,000 | 323,520,000 |
| Noninterest-bearing deposits | 38,685,000 | 45,677,000 | 35,164,000 | 35,058,000 |
| Equity capital | 40,706,000 | 40,369,000 | 42,837,000 | 42,832,000 |
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 | 6,729,000 | 14,033,000 | 21,691,000 | 30,178,000 |
| Interest expense | 3,249,000 | 6,943,000 | 11,026,000 | 15,407,000 |
| Net interest income | 3,480,000 | 7,090,000 | 10,665,000 | 14,771,000 |
| Noninterest income | 704,000 | 1,406,000 | 2,142,000 | 2,931,000 |
| Noninterest expense | 2,710,000 | 5,479,000 | 8,232,000 | 11,139,000 |
| Provision for loan losses | 100,000 | 165,000 | 365,000 | 150,000 |
| Pretax income | 1,380,000 | 2,858,000 | 4,216,000 | 6,393,000 |
| Income tax | 325,000 | 725,000 | 1,060,000 | 1,986,000 |
| Net income | 1,055,000 | 2,133,000 | 3,156,000 | 4,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,602,000 | 42,475,000 | 43,299,000 | 42,793,000 |
| Total capital | 45,335,000 | 46,295,000 | 47,247,000 | 46,723,000 |
| Risk-weighted assets | 297,722,000 | 304,938,000 | 315,345,000 | 313,862,000 |
Machine access — free, no API key
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