Call reports 2008
CITIZENS BANK COMPANY, THE — 2008
What CITIZENS BANK COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 74,094,000 | 76,363,000 | 79,530,000 | 81,871,000 |
| Total loans | 44,119,000 | 44,399,000 | 45,888,000 | 47,944,000 |
| Allowance for loan losses | 575,000 | 539,000 | 537,000 | 580,000 |
| Securities available for sale | 24,301,000 | 26,975,000 | 29,312,000 | 29,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,421,000 | 64,741,000 | 65,443,000 | 65,416,000 |
| Interest-bearing deposits | 54,659,000 | 56,440,000 | 56,411,000 | 57,020,000 |
| Noninterest-bearing deposits | 7,762,000 | 8,301,000 | 9,032,000 | 8,396,000 |
| Equity capital | 8,426,000 | 8,416,000 | 8,270,000 | 8,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,220,000 | 2,408,000 | 3,643,000 | 4,904,000 |
| Interest expense | 428,000 | 852,000 | 1,270,000 | 1,694,000 |
| Net interest income | 792,000 | 1,556,000 | 2,373,000 | 3,210,000 |
| Noninterest income | 131,000 | 297,000 | 448,000 | 604,000 |
| Noninterest expense | 637,000 | 1,326,000 | 2,008,000 | 2,672,000 |
| Provision for loan losses | 15,000 | 20,000 | 35,000 | 115,000 |
| Pretax income | 286,000 | 548,000 | 819,000 | 1,070,000 |
| Income tax | 57,000 | 97,000 | 194,000 | 231,000 |
| Net income | 229,000 | 451,000 | 625,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,451,000 | 8,648,000 | 8,798,000 | 8,912,000 |
| Total capital | 9,002,000 | 9,187,000 | 9,335,000 | 9,492,000 |
| Risk-weighted assets | 44,076,000 | 43,860,000 | 46,569,000 | 48,291,000 |
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