Call reports 2007
CITIZENS BANK — 2007
What CITIZENS BANK 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 | 147,197,000 | 147,684,000 | 149,297,000 | 146,466,000 |
| Total loans | 101,981,000 | 104,514,000 | 104,276,000 | 107,586,000 |
| Allowance for loan losses | 914,000 | 883,000 | 897,000 | 1,026,000 |
| Securities available for sale | 20,220,000 | 22,960,000 | 23,552,000 | 22,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,183,000 | 134,726,000 | 135,781,000 | 132,502,000 |
| Interest-bearing deposits | 112,161,000 | 111,686,000 | 113,920,000 | 109,977,000 |
| Noninterest-bearing deposits | 22,022,000 | 23,040,000 | 21,861,000 | 22,525,000 |
| Equity capital | 10,917,000 | 11,245,000 | 11,903,000 | 12,892,000 |
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 | 2,536,000 | 5,233,000 | 7,895,000 | 10,521,000 |
| Interest expense | 933,000 | 1,894,000 | 2,851,000 | 3,790,000 |
| Net interest income | 1,603,000 | 3,339,000 | 5,044,000 | 6,731,000 |
| Noninterest income | 249,000 | 813,000 | 1,125,000 | 1,462,000 |
| Noninterest expense | 2,721,000 | 4,228,000 | 5,796,000 | 7,116,000 |
| Provision for loan losses | 210,000 | 316,000 | 442,000 | 594,000 |
| Pretax income | -1,043,000 | -356,000 | -33,000 | 733,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,043,000 | -356,000 | -33,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,892,000 | 11,580,000 | 11,902,000 | 12,668,000 |
| Total capital | 11,806,000 | 12,463,000 | 12,799,000 | 13,694,000 |
| Risk-weighted assets | 108,399,000 | 110,928,000 | 111,172,000 | 110,089,000 |
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