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 | 139,777,000 | 142,989,000 | 144,303,000 | 148,494,000 |
| Total loans | 100,320,000 | 103,065,000 | 105,405,000 | 107,294,000 |
| Allowance for loan losses | 1,209,000 | 1,136,000 | 1,110,000 | 1,157,000 |
| Securities available for sale | 19,118,000 | 21,915,000 | 21,722,000 | 21,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,305,000 | 131,040,000 | 132,008,000 | 135,790,000 |
| Interest-bearing deposits | 105,184,000 | 108,710,000 | 110,103,000 | 110,813,000 |
| Noninterest-bearing deposits | 23,121,000 | 22,330,000 | 21,905,000 | 24,977,000 |
| Equity capital | 10,293,000 | 10,841,000 | 10,896,000 | 11,174,000 |
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 | 2,687,000 | 5,457,000 | 8,458,000 | 11,800,000 |
| Interest expense | 680,000 | 1,438,000 | 2,274,000 | 3,183,000 |
| Net interest income | 2,007,000 | 4,019,000 | 6,184,000 | 8,617,000 |
| Noninterest income | 1,043,000 | 2,013,000 | 2,933,000 | 2,757,000 |
| Noninterest expense | 3,043,000 | 6,173,000 | 9,297,000 | 12,191,000 |
| Provision for loan losses | 29,000 | 29,000 | 160,000 | 240,000 |
| Pretax income | -22,000 | -170,000 | -340,000 | -727,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -22,000 | -170,000 | -340,000 | -727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,574,000 | 11,250,000 | 11,073,000 | 11,232,000 |
| Total capital | 11,783,000 | 12,386,000 | 12,183,000 | 12,389,000 |
| Risk-weighted assets | 105,378,000 | 104,612,000 | 109,634,000 | 111,430,000 |
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