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 | 18,349,000 | 18,769,000 | 18,181,000 | 18,198,000 |
| Total loans | 12,815,000 | 13,365,000 | 13,449,000 | 13,393,000 |
| Allowance for loan losses | 172,000 | 178,000 | 180,000 | 117,000 |
| Securities available for sale | 2,809,000 | 2,685,000 | 2,607,000 | 2,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,553,000 | 15,942,000 | 15,223,000 | 15,299,000 |
| Interest-bearing deposits | 11,796,000 | 11,392,000 | 10,912,000 | 10,714,000 |
| Noninterest-bearing deposits | 3,757,000 | 4,550,000 | 4,311,000 | 4,585,000 |
| Equity capital | 2,747,000 | 2,730,000 | 2,843,000 | 2,800,000 |
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 | 289,000 | 600,000 | 933,000 | 1,256,000 |
| Interest expense | 49,000 | 113,000 | 174,000 | 236,000 |
| Net interest income | 240,000 | 487,000 | 759,000 | 1,020,000 |
| Noninterest income | 38,000 | 85,000 | 128,000 | 169,000 |
| Noninterest expense | 225,000 | 470,000 | 693,000 | 922,000 |
| Provision for loan losses | 32,000 | 37,000 | 40,000 | 47,000 |
| Pretax income | 21,000 | 65,000 | 154,000 | 220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 21,000 | 65,000 | 154,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,859,000 | 2,883,000 | 2,954,000 | 2,886,000 |
| Total capital | 3,011,000 | 3,043,000 | 3,093,000 | 3,003,000 |
| Risk-weighted assets | 12,175,000 | 12,776,000 | 11,099,000 | 12,870,000 |