Call reports 2007
CITIZENS BANK OF MASSACHUSETTS — 2007
What CITIZENS BANK OF MASSACHUSETTS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Total assets | 35,131,324,000 | 35,742,491,000 |
| Total loans | 25,490,499,000 | 26,383,248,000 |
| Allowance for loan losses | 185,406,000 | 186,937,000 |
| Securities available for sale | 5,882,482,000 | 5,734,686,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 54,696,000 | 63,460,000 |
| Total deposits | 23,145,984,000 | 23,713,359,000 |
| Interest-bearing deposits | 21,529,206,000 | 22,120,224,000 |
| Noninterest-bearing deposits | 1,616,778,000 | 1,593,135,000 |
| Equity capital | 4,285,555,000 | 4,336,982,000 |
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 |
|---|---|---|
| Interest income | 496,314,000 | 1,021,295,000 |
| Interest expense | 225,402,000 | 473,221,000 |
| Net interest income | 270,912,000 | 548,074,000 |
| Noninterest income | 88,826,000 | 207,922,000 |
| Noninterest expense | 165,575,000 | 313,270,000 |
| Provision for loan losses | 43,369,000 | 69,772,000 |
| Pretax income | 150,859,000 | 373,041,000 |
| Income tax | 52,474,000 | 154,242,000 |
| Net income | 98,385,000 | 218,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 2,489,491,000 | 2,554,879,000 |
| Total capital | 2,962,536,000 | 3,013,317,000 |
| Risk-weighted assets | 27,861,328,000 | 28,781,172,000 |
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