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 | 498,800,000 | 497,608,000 | 504,427,000 | 498,894,000 |
| Total loans | 318,615,000 | 318,865,000 | 321,461,000 | 326,969,000 |
| Allowance for loan losses | 4,315,000 | 4,462,000 | 4,082,000 | 4,217,000 |
| Securities available for sale | 89,104,000 | 149,875,000 | 150,909,000 | 143,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 58,854,000 | 1,014,000 | 1,019,000 | 1,021,000 |
| Total deposits | 362,243,000 | 360,941,000 | 359,628,000 | 363,888,000 |
| Interest-bearing deposits | 326,809,000 | 326,760,000 | 326,368,000 | 331,699,000 |
| Noninterest-bearing deposits | 35,434,000 | 34,181,000 | 33,260,000 | 32,189,000 |
| Equity capital | 43,493,000 | 42,116,000 | 44,826,000 | 45,605,000 |
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 | 7,843,000 | 16,044,000 | 24,433,000 | 32,664,000 |
| Interest expense | 4,167,000 | 8,485,000 | 12,912,000 | 17,220,000 |
| Net interest income | 3,676,000 | 7,559,000 | 11,521,000 | 15,444,000 |
| Noninterest income | 574,000 | 1,371,000 | 2,878,000 | 3,839,000 |
| Noninterest expense | 2,857,000 | 5,775,000 | 8,686,000 | 11,756,000 |
| Provision for loan losses | 225,000 | 610,000 | 1,066,000 | 1,382,000 |
| Pretax income | 1,170,000 | 2,551,000 | 4,653,000 | 6,170,000 |
| Income tax | 295,000 | 790,000 | 1,347,000 | 1,895,000 |
| Net income | 875,000 | 1,761,000 | 3,306,000 | 4,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,505,000 | 43,475,000 | 44,879,000 | 44,457,000 |
| Total capital | 46,831,000 | 47,444,000 | 48,874,000 | 48,685,000 |
| Risk-weighted assets | 362,006,000 | 317,041,000 | 319,489,000 | 348,527,000 |
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