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 | 7,450,660,000 | 12,275,279,000 | 12,234,110,000 | 12,524,748,000 |
| Total loans | 5,494,485,000 | 9,112,092,000 | 9,115,545,000 | 9,398,096,000 |
| Allowance for loan losses | 99,650,000 | 178,961,000 | 174,918,000 | 161,541,000 |
| Securities available for sale | 1,062,660,000 | 2,125,517,000 | 2,092,958,000 | 2,046,286,000 |
| Securities held to maturity | 95,740,000 | 99,904,000 | 103,720,000 | 109,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,419,853,000 | 7,818,750,000 | 7,656,922,000 | 8,010,049,000 |
| Interest-bearing deposits | 4,529,102,000 | 6,639,637,000 | 6,555,698,000 | 6,893,563,000 |
| Noninterest-bearing deposits | 890,751,000 | 1,179,113,000 | 1,101,224,000 | 1,116,486,000 |
| Equity capital | 703,928,000 | 1,123,404,000 | 1,151,627,000 | 1,156,288,000 |
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 | 120,335,000 | 405,617,000 | 603,951,000 | 799,691,000 |
| Interest expense | 56,909,000 | 202,780,000 | 302,192,000 | 401,543,000 |
| Net interest income | 63,426,000 | 202,837,000 | 301,759,000 | 398,148,000 |
| Noninterest income | 16,820,000 | 49,330,000 | 72,663,000 | 95,366,000 |
| Noninterest expense | 53,628,000 | 151,349,000 | 219,211,000 | 289,585,000 |
| Provision for loan losses | -7,006,000 | 35,445,000 | 39,322,000 | 45,536,000 |
| Pretax income | 33,640,000 | 65,754,000 | 116,179,000 | 158,345,000 |
| Income tax | 9,146,000 | 15,693,000 | 29,832,000 | 41,509,000 |
| Net income | 24,494,000 | 50,061,000 | 86,347,000 | 116,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 645,235,000 | 978,135,000 | 994,605,000 | 998,783,000 |
| Total capital | 721,698,000 | 1,101,327,000 | 1,117,266,000 | 1,124,600,000 |
| Risk-weighted assets | 6,090,660,000 | 9,793,948,000 | 9,755,125,000 | 10,024,190,000 |
Machine access — free, no API key
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