Call reports 2007
CITIZENS BANK, THE — 2007
What CITIZENS BANK, 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 | 263,355,000 | 309,875,000 | 302,983,000 | 300,608,000 |
| Total loans | 193,222,000 | 220,874,000 | 218,262,000 | 217,598,000 |
| Allowance for loan losses | 3,548,000 | 3,912,000 | 3,870,000 | 3,833,000 |
| Securities available for sale | 21,106,000 | 39,176,000 | 34,449,000 | 35,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,057,000 | 268,682,000 | 260,267,000 | 258,338,000 |
| Interest-bearing deposits | 192,213,000 | 226,411,000 | 222,134,000 | 218,815,000 |
| Noninterest-bearing deposits | 30,844,000 | 42,271,000 | 38,133,000 | 39,523,000 |
| Equity capital | 27,048,000 | 27,634,000 | 28,676,000 | 28,222,000 |
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 | 4,557,000 | 9,560,000 | 15,005,000 | 20,333,000 |
| Interest expense | 1,879,000 | 3,906,000 | 6,192,000 | 8,409,000 |
| Net interest income | 2,678,000 | 5,654,000 | 8,813,000 | 11,924,000 |
| Noninterest income | 715,000 | 1,470,000 | 2,339,000 | 3,255,000 |
| Noninterest expense | 2,130,000 | 4,606,000 | 7,090,000 | 9,828,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,143,000 | 2,278,000 | 3,702,000 | 4,871,000 |
| Income tax | 394,000 | 786,000 | 1,284,000 | 1,713,000 |
| Net income | 749,000 | 1,492,000 | 2,418,000 | 3,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,064,000 | 24,599,000 | 25,491,000 | 24,768,000 |
| Total capital | 29,455,000 | 27,356,000 | 28,242,000 | 27,548,000 |
| Risk-weighted assets | 190,101,000 | 219,415,000 | 218,958,000 | 221,509,000 |
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