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 | 19,255,000 | 18,273,000 | 17,670,000 | 18,886,000 |
| Total loans | 6,397,000 | 6,382,000 | 6,828,000 | 6,811,000 |
| Allowance for loan losses | 102,000 | 100,000 | 102,000 | 105,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,482,000 | 8,481,000 | 8,473,000 | 7,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,699,000 | 14,620,000 | 13,893,000 | 15,067,000 |
| Interest-bearing deposits | 10,356,000 | 9,808,000 | 9,358,000 | 10,019,000 |
| Noninterest-bearing deposits | 5,343,000 | 4,812,000 | 4,535,000 | 5,049,000 |
| Equity capital | 3,516,000 | 3,576,000 | 3,649,000 | 3,724,000 |
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 | 236,000 | 486,000 | 743,000 | 1,029,000 |
| Interest expense | 27,000 | 53,000 | 79,000 | 110,000 |
| Net interest income | 209,000 | 433,000 | 664,000 | 919,000 |
| Noninterest income | 56,000 | 115,000 | 170,000 | 224,000 |
| Noninterest expense | 206,000 | 356,000 | 528,000 | 739,000 |
| Provision for loan losses | -10,000 | 29,000 | 32,000 | 32,000 |
| Pretax income | 69,000 | 163,000 | 274,000 | 372,000 |
| Income tax | 23,000 | 54,000 | 92,000 | 112,000 |
| Net income | 46,000 | 109,000 | 182,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,516,000 | 3,576,000 | 3,649,000 | 3,724,000 |
| Total capital | 3,600,000 | 3,660,000 | 3,740,000 | 3,819,000 |
| Risk-weighted assets | 6,662,000 | 6,699,000 | 7,248,000 | 7,583,000 |
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