Call reports 2007
CITIZENS BANK, THE — 2007
What CITIZENS BANK, THE 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 | 136,416,000 | 138,858,000 | 140,199,000 | 144,650,000 |
| Total loans | 48,653,000 | 50,528,000 | 52,031,000 | 52,326,000 |
| Allowance for loan losses | 844,000 | 851,000 | 854,000 | 858,000 |
| Securities available for sale | 7,794,000 | 7,728,000 | 8,041,000 | 7,738,000 |
| Securities held to maturity | 73,153,000 | 75,618,000 | 75,187,000 | 79,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,768,000 | 114,571,000 | 116,065,000 | 120,233,000 |
| Interest-bearing deposits | 102,486,000 | 105,362,000 | 108,030,000 | 111,210,000 |
| Noninterest-bearing deposits | 10,282,000 | 9,209,000 | 8,035,000 | 9,023,000 |
| Equity capital | 23,024,000 | 23,128,000 | 23,589,000 | 23,328,000 |
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 | 1,997,000 | 4,035,000 | 6,148,000 | 8,309,000 |
| Interest expense | 1,135,000 | 2,310,000 | 3,555,000 | 4,835,000 |
| Net interest income | 862,000 | 1,725,000 | 2,593,000 | 3,474,000 |
| Noninterest income | 109,000 | 223,000 | 365,000 | 504,000 |
| Noninterest expense | 383,000 | 831,000 | 1,210,000 | 1,772,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 110,000 |
| Pretax income | 578,000 | 1,077,000 | 1,678,000 | 2,096,000 |
| Income tax | 95,000 | 185,000 | 272,000 | 433,000 |
| Net income | 483,000 | 892,000 | 1,406,000 | 1,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,068,000 | 23,211,000 | 23,725,000 | 23,494,000 |
| Total capital | 23,841,000 | 24,003,000 | 24,534,000 | 24,317,000 |
| Risk-weighted assets | 61,755,000 | 63,284,000 | 64,712,000 | 65,811,000 |
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