Call reports 2007
CITIZENS' BANK — 2007
What CITIZENS' BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 18,132,000 | 17,789,000 | 18,701,000 | 18,417,000 |
| Total loans | 13,018,000 | 13,506,000 | 13,848,000 | 13,649,000 |
| Allowance for loan losses | 126,000 | 131,000 | 139,000 | 148,000 |
| Securities available for sale | 2,474,000 | 2,383,000 | 2,346,000 | 2,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,166,000 | 14,835,000 | 15,601,000 | 15,233,000 |
| Interest-bearing deposits | 11,411,000 | 11,468,000 | 11,817,000 | 11,582,000 |
| Noninterest-bearing deposits | 3,755,000 | 3,367,000 | 3,784,000 | 3,651,000 |
| Equity capital | 2,861,000 | 2,845,000 | 2,963,000 | 2,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 323,000 | 660,000 | 1,008,000 | 1,363,000 |
| Interest expense | 66,000 | 138,000 | 215,000 | 295,000 |
| Net interest income | 257,000 | 522,000 | 793,000 | 1,068,000 |
| Noninterest income | 42,000 | 82,000 | 122,000 | 176,000 |
| Noninterest expense | 230,000 | 462,000 | 686,000 | 894,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 61,000 | 127,000 | 206,000 | 320,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 61,000 | 127,000 | 206,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,947,000 | 2,956,000 | 3,035,000 | 2,886,000 |
| Total capital | 3,073,000 | 3,087,000 | 3,174,000 | 3,034,000 |
| Risk-weighted assets | 13,736,000 | 13,784,000 | 14,459,000 | 14,297,000 |