Call reports 2007
CITIZENS BANK COMPANY, THE — 2007
What CITIZENS BANK COMPANY, 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 | 73,137,000 | 73,381,000 | 72,708,000 | 71,953,000 |
| Total loans | 43,565,000 | 44,290,000 | 43,700,000 | 45,122,000 |
| Allowance for loan losses | 648,000 | 617,000 | 609,000 | 625,000 |
| Securities available for sale | 25,520,000 | 25,030,000 | 24,924,000 | 23,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,637,000 | 56,173,000 | 57,260,000 | 56,714,000 |
| Interest-bearing deposits | 49,234,000 | 48,623,000 | 49,366,000 | 49,378,000 |
| Noninterest-bearing deposits | 7,403,000 | 7,550,000 | 7,894,000 | 7,336,000 |
| Equity capital | 7,948,000 | 7,975,000 | 8,215,000 | 8,364,000 |
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 | 1,222,000 | 2,485,000 | 3,734,000 | 5,065,000 |
| Interest expense | 428,000 | 872,000 | 1,324,000 | 1,758,000 |
| Net interest income | 794,000 | 1,613,000 | 2,410,000 | 3,307,000 |
| Noninterest income | 141,000 | 287,000 | 444,000 | 601,000 |
| Noninterest expense | 613,000 | 1,248,000 | 1,890,000 | 2,601,000 |
| Provision for loan losses | 50,000 | 60,000 | 65,000 | 104,000 |
| Pretax income | 274,000 | 594,000 | 901,000 | 1,210,000 |
| Income tax | 48,000 | 133,000 | 223,000 | 320,000 |
| Net income | 226,000 | 461,000 | 678,000 | 890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,873,000 | 8,005,000 | 8,161,000 | 8,282,000 |
| Total capital | 8,418,000 | 8,557,000 | 8,704,000 | 8,837,000 |
| Risk-weighted assets | 43,468,000 | 44,095,000 | 43,339,000 | 44,315,000 |
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