Call reports 2006
CITIZENS BANK, THE — 2006
What CITIZENS BANK, THE 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 | 115,143,000 | 115,080,000 | 113,466,000 | 118,568,000 |
| Total loans | 78,159,000 | 78,814,000 | 76,683,000 | 77,174,000 |
| Allowance for loan losses | 1,166,000 | 1,216,000 | 1,307,000 | 1,330,000 |
| Securities available for sale | 31,250,000 | 29,606,000 | 30,102,000 | 27,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,960,000 | 96,288,000 | 102,263,000 | 108,013,000 |
| Interest-bearing deposits | 90,218,000 | 80,725,000 | 86,184,000 | 93,385,000 |
| Noninterest-bearing deposits | 14,742,000 | 15,563,000 | 16,079,000 | 14,628,000 |
| Equity capital | 7,942,000 | 8,050,000 | 8,426,000 | 8,598,000 |
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 | 1,836,000 | 3,783,000 | 5,727,000 | 7,654,000 |
| Interest expense | 521,000 | 1,192,000 | 1,944,000 | 2,696,000 |
| Net interest income | 1,315,000 | 2,591,000 | 3,783,000 | 4,958,000 |
| Noninterest income | 311,000 | 653,000 | 975,000 | 1,284,000 |
| Noninterest expense | 603,000 | 1,241,000 | 1,827,000 | 2,391,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 933,000 | 1,823,000 | 2,661,000 | 3,491,000 |
| Income tax | 337,000 | 662,000 | 962,000 | 1,265,000 |
| Net income | 596,000 | 1,161,000 | 1,699,000 | 2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,335,000 | 8,507,000 | 8,652,000 | 8,783,000 |
| Total capital | 9,389,000 | 9,586,000 | 9,766,000 | 9,922,000 |
| Risk-weighted assets | 84,242,000 | 86,206,000 | 89,035,000 | 90,940,000 |