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 | 86,123,000 | 86,338,000 | 85,143,000 | 89,721,000 |
| Total loans | 45,969,000 | 44,267,000 | 42,714,000 | 44,531,000 |
| Allowance for loan losses | 211,000 | 130,000 | 147,000 | 148,000 |
| Securities available for sale | 12,003,000 | 12,032,000 | 11,761,000 | 8,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,993,000 | 75,956,000 | 74,599,000 | 79,800,000 |
| Interest-bearing deposits | 63,582,000 | 62,328,000 | 61,901,000 | 65,847,000 |
| Noninterest-bearing deposits | 12,411,000 | 13,628,000 | 12,698,000 | 13,953,000 |
| Equity capital | 9,703,000 | 9,895,000 | 9,848,000 | 9,615,000 |
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 | 1,395,000 | 2,855,000 | 4,346,000 | 5,871,000 |
| Interest expense | 491,000 | 1,038,000 | 1,613,000 | 2,225,000 |
| Net interest income | 904,000 | 1,817,000 | 2,733,000 | 3,646,000 |
| Noninterest income | 77,000 | 167,000 | 265,000 | 357,000 |
| Noninterest expense | 482,000 | 1,023,000 | 1,529,000 | 2,290,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | -130,000 |
| Pretax income | 499,000 | 1,061,000 | 1,569,000 | 1,843,000 |
| Income tax | 188,000 | 370,000 | 539,000 | 621,000 |
| Net income | 311,000 | 691,000 | 1,030,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,660,000 | 9,865,000 | 9,855,000 | 9,596,000 |
| Total capital | 9,871,000 | 9,995,000 | 10,002,000 | 9,744,000 |
| Risk-weighted assets | 52,142,000 | 51,350,000 | 50,696,000 | 52,827,000 |