Call reports 2008
CITIZENS BANK OF PHILADELPHIA, THE — 2008
What CITIZENS BANK OF PHILADELPHIA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 709,271,000 | 692,787,000 | 695,043,000 | 765,372,000 |
| Total loans | 387,526,000 | 395,172,000 | 415,347,000 | 428,705,000 |
| Allowance for loan losses | 3,894,000 | 4,240,000 | 4,386,000 | 4,479,000 |
| Securities available for sale | 238,119,000 | 206,225,000 | 202,255,000 | 253,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,220,000 | 489,362,000 | 504,830,000 | 546,946,000 |
| Interest-bearing deposits | 414,972,000 | 404,378,000 | 428,466,000 | 451,293,000 |
| Noninterest-bearing deposits | 89,248,000 | 84,984,000 | 76,364,000 | 95,653,000 |
| Equity capital | 69,702,000 | 66,999,000 | 66,488,000 | 69,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,729,000 | 19,444,000 | 29,434,000 | 39,558,000 |
| Interest expense | 4,189,000 | 7,428,000 | 10,464,000 | 13,783,000 |
| Net interest income | 5,540,000 | 12,016,000 | 18,970,000 | 25,775,000 |
| Noninterest income | 2,004,000 | 4,534,000 | 6,221,000 | 7,851,000 |
| Noninterest expense | 5,311,000 | 10,713,000 | 16,143,000 | 21,691,000 |
| Provision for loan losses | 98,000 | 657,000 | 1,029,000 | 1,224,000 |
| Pretax income | 2,135,000 | 5,173,000 | 8,027,000 | 10,719,000 |
| Income tax | 467,000 | 994,000 | 1,714,000 | 2,347,000 |
| Net income | 1,668,000 | 4,179,000 | 6,313,000 | 8,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,151,000 | 65,348,000 | 66,152,000 | 67,231,000 |
| Total capital | 68,045,000 | 69,588,000 | 70,538,000 | 71,710,000 |
| Risk-weighted assets | 424,703,000 | 429,030,000 | 445,836,000 | 467,198,000 |
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