Call reports 2006
CITIZENS BANK — 2006
What CITIZENS BANK 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 | 7,284,630,000 | 7,416,727,000 | 7,375,100,000 | 7,516,604,000 |
| Total loans | 5,389,841,000 | 5,533,253,000 | 5,547,268,000 | 5,502,242,000 |
| Allowance for loan losses | 112,141,000 | 111,554,000 | 110,216,000 | 109,006,000 |
| Securities available for sale | 1,357,235,000 | 1,301,879,000 | 1,272,878,000 | 1,435,065,000 |
| Securities held to maturity | 74,639,000 | 80,564,000 | 86,441,000 | 93,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,243,806,000 | 5,364,117,000 | 5,338,092,000 | 5,355,558,000 |
| Interest-bearing deposits | 4,353,028,000 | 4,428,509,000 | 4,447,437,000 | 4,423,215,000 |
| Noninterest-bearing deposits | 890,778,000 | 935,608,000 | 890,655,000 | 932,343,000 |
| Equity capital | 696,461,000 | 695,521,000 | 717,022,000 | 692,982,000 |
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 | 108,148,000 | 220,459,000 | 336,988,000 | 455,495,000 |
| Interest expense | 41,396,000 | 87,960,000 | 138,813,000 | 192,143,000 |
| Net interest income | 66,752,000 | 132,499,000 | 198,175,000 | 263,352,000 |
| Noninterest income | 18,451,000 | 35,325,000 | 52,302,000 | 69,998,000 |
| Noninterest expense | 52,854,000 | 103,237,000 | 153,218,000 | 220,692,000 |
| Provision for loan losses | 4,296,000 | 5,709,000 | 7,009,000 | 13,289,000 |
| Pretax income | 28,053,000 | 58,878,000 | 90,250,000 | 93,156,000 |
| Income tax | 7,730,000 | 16,349,000 | 25,158,000 | 23,793,000 |
| Net income | 20,323,000 | 42,529,000 | 65,092,000 | 69,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 638,716,000 | 646,647,000 | 654,933,000 | 629,005,000 |
| Total capital | 712,637,000 | 722,499,000 | 730,780,000 | 705,595,000 |
| Risk-weighted assets | 5,872,800,000 | 6,029,586,000 | 6,030,508,000 | 6,091,717,000 |
Machine access — free, no API key
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