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 | 453,767,000 | 453,987,000 | 464,093,000 | 466,305,000 |
| Total loans | 238,752,000 | 231,111,000 | 227,938,000 | 235,662,000 |
| Allowance for loan losses | 2,350,000 | 2,323,000 | 2,322,000 | 1,827,000 |
| Securities available for sale | 50,957,000 | 59,669,000 | 84,271,000 | 78,735,000 |
| Securities held to maturity | 133,018,000 | 130,985,000 | 130,095,000 | 128,568,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,190,000 | 386,177,000 | 391,362,000 | 391,847,000 |
| Interest-bearing deposits | 354,409,000 | 352,119,000 | 354,828,000 | 354,885,000 |
| Noninterest-bearing deposits | 33,781,000 | 34,058,000 | 36,534,000 | 36,962,000 |
| Equity capital | 62,339,000 | 64,809,000 | 67,815,000 | 70,795,000 |
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 | 6,974,000 | 14,203,000 | 21,838,000 | 29,950,000 |
| Interest expense | 2,723,000 | 5,754,000 | 9,090,000 | 12,671,000 |
| Net interest income | 4,251,000 | 8,449,000 | 12,748,000 | 17,279,000 |
| Noninterest income | 739,000 | 1,509,000 | 2,272,000 | 3,070,000 |
| Noninterest expense | 1,638,000 | 3,197,000 | 4,672,000 | 6,547,000 |
| Provision for loan losses | 105,000 | 210,000 | 325,000 | 51,000 |
| Pretax income | 3,248,000 | 6,679,000 | 10,151,000 | 13,879,000 |
| Income tax | 762,000 | 1,551,000 | 2,435,000 | 3,336,000 |
| Net income | 2,486,000 | 5,128,000 | 7,716,000 | 10,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,828,000 | 65,480,000 | 68,081,000 | 70,919,000 |
| Total capital | 65,178,000 | 67,803,000 | 70,403,000 | 72,746,000 |
| Risk-weighted assets | 294,610,000 | 290,497,000 | 289,988,000 | 295,744,000 |