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 | 197,164,000 | 198,695,000 | 202,216,000 | 199,943,000 |
| Total loans | 162,138,000 | 161,353,000 | 157,881,000 | 150,507,000 |
| Allowance for loan losses | 2,194,000 | 2,253,000 | 2,246,000 | 2,256,000 |
| Securities available for sale | 13,204,000 | 18,936,000 | 18,805,000 | 18,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,533,000 | 165,965,000 | 165,343,000 | 166,367,000 |
| Interest-bearing deposits | 144,063,000 | 142,507,000 | 141,800,000 | 140,328,000 |
| Noninterest-bearing deposits | 20,470,000 | 23,457,000 | 23,542,000 | 26,040,000 |
| Equity capital | 16,276,000 | 16,606,000 | 17,158,000 | 17,555,000 |
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 | 3,212,000 | 6,678,000 | 10,270,000 | 13,803,000 |
| Interest expense | 1,294,000 | 2,749,000 | 4,310,000 | 5,934,000 |
| Net interest income | 1,918,000 | 3,929,000 | 5,960,000 | 7,869,000 |
| Noninterest income | 317,000 | 635,000 | 957,000 | 1,198,000 |
| Noninterest expense | 1,320,000 | 2,688,000 | 4,054,000 | 5,418,000 |
| Provision for loan losses | 90,000 | 170,000 | 250,000 | 340,000 |
| Pretax income | 825,000 | 1,706,000 | 2,613,000 | 3,309,000 |
| Income tax | 286,000 | 571,000 | 873,000 | 1,100,000 |
| Net income | 539,000 | 1,135,000 | 1,740,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,541,000 | 17,016,000 | 17,369,000 | 17,717,000 |
| Total capital | 18,465,000 | 18,954,000 | 19,297,000 | 19,554,000 |
| Risk-weighted assets | 153,669,000 | 154,699,000 | 153,888,000 | 146,572,000 |
Machine access — free, no API key
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