Call reports 2007
CITIZENS BANK OF PHILADELPHIA, THE — 2007
What CITIZENS BANK OF PHILADELPHIA, 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 | 643,579,000 | 632,302,000 | 641,394,000 | 680,721,000 |
| Total loans | 353,753,000 | 353,088,000 | 355,403,000 | 371,993,000 |
| Allowance for loan losses | 3,693,000 | 3,692,000 | 3,748,000 | 3,968,000 |
| Securities available for sale | 178,134,000 | 204,058,000 | 220,865,000 | 241,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,320,000 | 480,529,000 | 478,850,000 | 478,083,000 |
| Interest-bearing deposits | 406,887,000 | 401,199,000 | 397,604,000 | 399,855,000 |
| Noninterest-bearing deposits | 84,433,000 | 79,330,000 | 81,246,000 | 78,228,000 |
| Equity capital | 67,166,000 | 63,290,000 | 65,336,000 | 67,157,000 |
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 | 9,445,000 | 19,005,000 | 28,624,000 | 38,100,000 |
| Interest expense | 3,938,000 | 8,119,000 | 12,362,000 | 16,770,000 |
| Net interest income | 5,507,000 | 10,886,000 | 16,262,000 | 21,330,000 |
| Noninterest income | 1,641,000 | 3,549,000 | 5,574,000 | 7,748,000 |
| Noninterest expense | 4,503,000 | 9,170,000 | 14,019,000 | 19,302,000 |
| Provision for loan losses | 77,000 | 157,000 | 553,000 | 784,000 |
| Pretax income | 2,566,000 | 5,106,000 | 7,262,000 | 9,021,000 |
| Income tax | 652,000 | 1,302,000 | 1,681,000 | 2,020,000 |
| Net income | 1,914,000 | 3,804,000 | 5,581,000 | 7,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,233,000 | 61,961,000 | 62,846,000 | 63,375,000 |
| Total capital | 66,926,000 | 65,653,000 | 66,594,000 | 67,343,000 |
| Risk-weighted assets | 378,086,000 | 377,615,000 | 380,560,000 | 400,736,000 |
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