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 | 353,842,000 | 354,579,000 | 361,971,000 | 360,768,000 |
| Total loans | 263,948,000 | 272,740,000 | 283,691,000 | 287,773,000 |
| Allowance for loan losses | 2,915,000 | 2,950,000 | 2,797,000 | 2,823,000 |
| Securities available for sale | 47,369,000 | 42,026,000 | 39,224,000 | 24,260,000 |
| Securities held to maturity | 5,936,000 | 5,480,000 | 4,919,000 | 4,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,423,000 | 271,144,000 | 282,183,000 | 282,503,000 |
| Interest-bearing deposits | 214,357,000 | 212,606,000 | 223,050,000 | 221,181,000 |
| Noninterest-bearing deposits | 60,066,000 | 58,538,000 | 59,133,000 | 61,322,000 |
| Equity capital | 46,506,000 | 48,058,000 | 49,810,000 | 48,286,000 |
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 | 5,754,000 | 11,684,000 | 17,854,000 | 24,022,000 |
| Interest expense | 1,482,000 | 2,961,000 | 4,429,000 | 5,839,000 |
| Net interest income | 4,272,000 | 8,723,000 | 13,425,000 | 18,183,000 |
| Noninterest income | 564,000 | 1,137,000 | 1,710,000 | 2,461,000 |
| Noninterest expense | 2,734,000 | 5,351,000 | 8,045,000 | 11,070,000 |
| Provision for loan losses | 40,000 | 100,000 | 130,000 | 160,000 |
| Pretax income | 2,062,000 | 4,409,000 | 6,960,000 | 9,414,000 |
| Income tax | 716,000 | 1,547,000 | 2,458,000 | 3,258,000 |
| Net income | 1,346,000 | 2,862,000 | 4,502,000 | 6,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,568,000 | 48,093,000 | 49,743,000 | 48,214,000 |
| Total capital | 49,483,000 | 51,043,000 | 52,720,000 | 51,212,000 |
| Risk-weighted assets | 306,640,000 | 314,298,000 | 325,017,000 | 327,507,000 |
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