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 | 104,564,000 | 113,088,000 | 90,513,000 | 94,097,000 |
| Total loans | 59,257,000 | 63,722,000 | 57,224,000 | 54,606,000 |
| Allowance for loan losses | 1,770,000 | 1,786,000 | 1,802,000 | 1,818,000 |
| Securities available for sale | 21,415,000 | 23,943,000 | 14,367,000 | 19,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,018,000 | 96,142,000 | 73,100,000 | 77,140,000 |
| Interest-bearing deposits | 66,789,000 | 76,297,000 | 53,326,000 | 56,986,000 |
| Noninterest-bearing deposits | 21,229,000 | 19,845,000 | 19,774,000 | 20,154,000 |
| Equity capital | 15,554,000 | 15,991,000 | 16,369,000 | 16,333,000 |
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 | 1,593,000 | 3,302,000 | 4,869,000 | 6,187,000 |
| Interest expense | 420,000 | 894,000 | 1,243,000 | 1,556,000 |
| Net interest income | 1,173,000 | 2,408,000 | 3,626,000 | 4,631,000 |
| Noninterest income | 243,000 | 597,000 | 939,000 | 1,182,000 |
| Noninterest expense | 948,000 | 1,840,000 | 2,795,000 | 3,383,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 453,000 | 1,135,000 | 1,711,000 | 2,363,000 |
| Income tax | 132,000 | 347,000 | 515,000 | 717,000 |
| Net income | 321,000 | 788,000 | 1,196,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,559,000 | 16,023,000 | 16,332,000 | 16,266,000 |
| Total capital | 16,407,000 | 16,908,000 | 17,125,000 | 17,059,000 |
| Risk-weighted assets | 66,879,000 | 69,866,000 | 62,436,000 | 62,403,000 |
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