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 | 115,337,000 | 114,447,000 | 114,956,000 | 114,357,000 |
| Total loans | 86,361,000 | 83,453,000 | 84,203,000 | 83,286,000 |
| Allowance for loan losses | 1,204,000 | 1,213,000 | 1,216,000 | 1,164,000 |
| Securities available for sale | 16,368,000 | 15,678,000 | 15,905,000 | 15,981,000 |
| Securities held to maturity | 1,346,000 | 1,346,000 | 1,246,000 | 1,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,204,000 | 97,908,000 | 97,951,000 | 98,272,000 |
| Interest-bearing deposits | 87,507,000 | 87,290,000 | 86,760,000 | 87,776,000 |
| Noninterest-bearing deposits | 11,697,000 | 10,618,000 | 11,191,000 | 10,496,000 |
| Equity capital | 13,931,000 | 14,166,000 | 14,599,000 | 13,945,000 |
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 | 1,855,000 | 3,720,000 | 5,646,000 | 7,568,000 |
| Interest expense | 579,000 | 1,207,000 | 1,910,000 | 2,682,000 |
| Net interest income | 1,276,000 | 2,513,000 | 3,736,000 | 4,886,000 |
| Noninterest income | 253,000 | 786,000 | 1,048,000 | 1,312,000 |
| Noninterest expense | 1,022,000 | 2,235,000 | 3,236,000 | 4,273,000 |
| Provision for loan losses | 162,000 | 324,000 | 408,000 | 453,000 |
| Pretax income | 345,000 | 741,000 | 1,141,000 | 1,473,000 |
| Income tax | 99,000 | 149,000 | 268,000 | 348,000 |
| Net income | 246,000 | 592,000 | 873,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,162,000 | 14,508,000 | 14,789,000 | 14,075,000 |
| Total capital | 15,168,000 | 15,490,000 | 15,780,000 | 15,051,000 |
| Risk-weighted assets | 80,273,000 | 78,301,000 | 79,032,000 | 77,925,000 |