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 | 475,022,000 | 479,473,000 | 484,494,000 | 491,307,000 |
| Total loans | 243,055,000 | 255,066,000 | 256,833,000 | 266,049,000 |
| Allowance for loan losses | 1,939,000 | 1,946,000 | 1,954,000 | 2,127,000 |
| Securities available for sale | 72,403,000 | 70,906,000 | 73,213,000 | 66,453,000 |
| Securities held to maturity | 127,725,000 | 128,366,000 | 134,144,000 | 137,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,508,000 | 406,290,000 | 406,912,000 | 406,647,000 |
| Interest-bearing deposits | 365,570,000 | 366,897,000 | 368,724,000 | 368,978,000 |
| Noninterest-bearing deposits | 37,938,000 | 39,393,000 | 38,188,000 | 37,669,000 |
| Equity capital | 67,171,000 | 69,258,000 | 72,630,000 | 75,463,000 |
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 | 7,974,000 | 16,441,000 | 24,979,000 | 33,628,000 |
| Interest expense | 3,780,000 | 7,700,000 | 11,681,000 | 15,641,000 |
| Net interest income | 4,194,000 | 8,741,000 | 13,298,000 | 17,987,000 |
| Noninterest income | 730,000 | 1,480,000 | 2,162,000 | 3,021,000 |
| Noninterest expense | 1,564,000 | 3,027,000 | 4,457,000 | 6,506,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 610,000 |
| Pretax income | 3,255,000 | 6,498,000 | 10,292,000 | 13,536,000 |
| Income tax | 782,000 | 1,555,000 | 2,528,000 | 3,262,000 |
| Net income | 2,473,000 | 4,943,000 | 7,764,000 | 10,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,200,000 | 69,682,000 | 72,513,000 | 75,035,000 |
| Total capital | 69,139,000 | 71,628,000 | 74,467,000 | 77,162,000 |
| Risk-weighted assets | 305,177,000 | 316,138,000 | 320,831,000 | 331,362,000 |