Call reports 2006
CITIZENS BANK OF MASSACHUSETTS — 2006
What CITIZENS BANK OF MASSACHUSETTS 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 | 34,573,718,000 | 37,112,775,000 | 35,515,457,000 | 35,276,018,000 |
| Total loans | 23,630,376,000 | 23,994,597,000 | 24,613,883,000 | 24,456,537,000 |
| Allowance for loan losses | 191,699,000 | 200,295,000 | 195,106,000 | 178,270,000 |
| Securities available for sale | 7,907,627,000 | 7,698,308,000 | 7,675,841,000 | 6,110,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 121,561,000 | 74,328,000 | 56,186,000 | 55,463,000 |
| Total deposits | 23,135,913,000 | 26,332,729,000 | 23,189,684,000 | 22,972,113,000 |
| Interest-bearing deposits | 18,742,762,000 | 22,007,989,000 | 18,935,128,000 | 21,317,785,000 |
| Noninterest-bearing deposits | 4,393,151,000 | 4,324,740,000 | 4,254,556,000 | 1,654,328,000 |
| Equity capital | 4,053,889,000 | 4,140,582,000 | 4,178,882,000 | 4,283,749,000 |
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 | 437,042,000 | 904,681,000 | 1,401,656,000 | 1,910,512,000 |
| Interest expense | 178,041,000 | 384,272,000 | 615,225,000 | 854,638,000 |
| Net interest income | 259,001,000 | 520,409,000 | 786,431,000 | 1,055,874,000 |
| Noninterest income | 95,928,000 | 229,491,000 | 328,645,000 | 418,324,000 |
| Noninterest expense | 166,080,000 | 327,675,000 | 491,673,000 | 665,714,000 |
| Provision for loan losses | 21,387,000 | 45,446,000 | 62,303,000 | 69,328,000 |
| Pretax income | 168,656,000 | 378,869,000 | 564,673,000 | 737,801,000 |
| Income tax | 58,736,000 | 133,124,000 | 197,075,000 | 261,830,000 |
| Net income | 109,920,000 | 245,745,000 | 367,598,000 | 475,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,256,272,000 | 2,404,411,000 | 2,380,176,000 | 2,492,098,000 |
| Total capital | 2,722,962,000 | 2,880,990,000 | 2,859,534,000 | 2,957,412,000 |
| Risk-weighted assets | 25,574,559,000 | 26,311,726,000 | 26,761,354,000 | 26,897,041,000 |