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 | 505,910,000 | 514,729,000 | 507,131,000 | 532,747,000 |
| Total loans | 365,233,000 | 374,794,000 | 380,522,000 | 394,668,000 |
| Allowance for loan losses | 4,659,000 | 4,695,000 | 4,713,000 | 4,741,000 |
| Securities available for sale | 285,000 | 147,000 | 612,000 | 369,000 |
| Securities held to maturity | 95,175,000 | 94,141,000 | 92,155,000 | 87,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,837,000 | 455,757,000 | 446,733,000 | 471,151,000 |
| Interest-bearing deposits | 393,916,000 | 398,170,000 | 391,079,000 | 413,350,000 |
| Noninterest-bearing deposits | 53,921,000 | 57,587,000 | 55,654,000 | 57,801,000 |
| Equity capital | 54,666,000 | 55,920,000 | 57,026,000 | 57,719,000 |
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 | 7,520,000 | 15,255,000 | 23,393,000 | 31,572,000 |
| Interest expense | 3,264,000 | 6,786,000 | 10,642,000 | 14,644,000 |
| Net interest income | 4,256,000 | 8,469,000 | 12,751,000 | 16,928,000 |
| Noninterest income | 712,000 | 1,582,000 | 2,357,000 | 3,155,000 |
| Noninterest expense | 3,264,000 | 6,496,000 | 9,720,000 | 12,840,000 |
| Provision for loan losses | 40,000 | 115,000 | 195,000 | 230,000 |
| Pretax income | 1,664,000 | 3,440,000 | 5,193,000 | 7,013,000 |
| Income tax | 446,000 | 968,000 | 1,455,000 | 1,950,000 |
| Net income | 1,218,000 | 2,472,000 | 3,738,000 | 5,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,597,000 | 55,854,000 | 56,963,000 | 57,561,000 |
| Total capital | 59,256,000 | 60,549,000 | 61,676,000 | 62,302,000 |
| Risk-weighted assets | 395,518,000 | 398,476,000 | 403,705,000 | 403,689,000 |