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 | 57,921,000 | 54,374,000 | 56,222,000 | 57,264,000 |
| Total loans | 35,348,000 | 35,510,000 | 35,834,000 | 35,093,000 |
| Allowance for loan losses | 641,000 | 583,000 | 583,000 | 613,000 |
| Securities available for sale | 14,264,000 | 14,205,000 | 14,166,000 | 14,207,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 999,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,084,000 | 47,651,000 | 49,147,000 | 49,837,000 |
| Interest-bearing deposits | 43,032,000 | 38,540,000 | 44,375,000 | 44,868,000 |
| Noninterest-bearing deposits | 8,052,000 | 9,111,000 | 4,772,000 | 4,969,000 |
| Equity capital | 6,237,000 | 6,199,000 | 6,531,000 | 6,715,000 |
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 | 1,012,000 | 2,051,000 | 3,132,000 | 4,210,000 |
| Interest expense | 377,000 | 777,000 | 1,240,000 | 1,739,000 |
| Net interest income | 635,000 | 1,274,000 | 1,892,000 | 2,471,000 |
| Noninterest income | 110,000 | 233,000 | 357,000 | 455,000 |
| Noninterest expense | 427,000 | 982,000 | 1,415,000 | 1,829,000 |
| Provision for loan losses | 65,000 | 280,000 | 280,000 | 310,000 |
| Pretax income | 253,000 | 245,000 | 538,000 | 771,000 |
| Income tax | 75,000 | 68,000 | 156,000 | 229,000 |
| Net income | 178,000 | 177,000 | 382,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,496,000 | 6,495,000 | 6,699,000 | 6,859,000 |
| Total capital | 6,967,000 | 6,947,000 | 7,172,000 | 7,316,000 |
| Risk-weighted assets | 37,523,000 | 36,046,000 | 37,715,000 | 36,430,000 |
Machine access — free, no API key
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