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 | 91,267,000 | 92,609,000 | 89,453,000 | 92,038,000 |
| Total loans | 46,630,000 | 44,444,000 | 43,274,000 | 43,494,000 |
| Allowance for loan losses | 148,000 | 146,000 | 102,000 | 100,000 |
| Securities available for sale | 8,662,000 | 9,652,000 | 7,796,000 | 6,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,164,000 | 82,407,000 | 78,871,000 | 82,090,000 |
| Interest-bearing deposits | 67,302,000 | 68,646,000 | 65,746,000 | 66,422,000 |
| Noninterest-bearing deposits | 13,862,000 | 13,761,000 | 13,125,000 | 15,668,000 |
| Equity capital | 9,765,000 | 9,753,000 | 9,979,000 | 9,775,000 |
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 | 1,622,000 | 3,259,000 | 4,848,000 | 6,358,000 |
| Interest expense | 629,000 | 1,268,000 | 1,910,000 | 2,538,000 |
| Net interest income | 993,000 | 1,991,000 | 2,938,000 | 3,820,000 |
| Noninterest income | 89,000 | 169,000 | 259,000 | 340,000 |
| Noninterest expense | 542,000 | 1,091,000 | 1,599,000 | 2,570,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 540,000 | 1,069,000 | 1,598,000 | 1,590,000 |
| Income tax | 23,000 | 24,000 | 24,000 | 24,000 |
| Net income | 517,000 | 1,045,000 | 1,574,000 | 1,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,738,000 | 9,751,000 | 9,960,000 | 9,767,000 |
| Total capital | 9,886,000 | 9,897,000 | 10,062,000 | 9,867,000 |
| Risk-weighted assets | 54,020,000 | 52,787,000 | 52,149,000 | 52,406,000 |