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 | 57,417,000 | 58,228,000 | 56,784,000 | 55,354,000 |
| Total loans | 34,203,000 | 33,641,000 | 32,693,000 | 30,722,000 |
| Allowance for loan losses | 705,000 | 651,000 | 775,000 | 721,000 |
| Securities available for sale | 15,389,000 | 16,703,000 | 17,792,000 | 19,120,000 |
| Securities held to maturity | 998,000 | 997,000 | 737,000 | 736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,089,000 | 50,801,000 | 49,330,000 | 47,741,000 |
| Interest-bearing deposits | 44,714,000 | 42,247,000 | 44,687,000 | 43,954,000 |
| Noninterest-bearing deposits | 5,375,000 | 8,554,000 | 4,643,000 | 3,787,000 |
| Equity capital | 6,738,000 | 6,709,000 | 6,815,000 | 6,955,000 |
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 | 1,072,000 | 2,162,000 | 3,250,000 | 4,279,000 |
| Interest expense | 489,000 | 997,000 | 1,516,000 | 2,007,000 |
| Net interest income | 583,000 | 1,165,000 | 1,734,000 | 2,272,000 |
| Noninterest income | 96,000 | 190,000 | 283,000 | 364,000 |
| Noninterest expense | 406,000 | 878,000 | 1,318,000 | 1,837,000 |
| Provision for loan losses | 140,000 | 280,000 | 505,000 | 535,000 |
| Pretax income | 132,000 | 198,000 | 193,000 | 266,000 |
| Income tax | 38,000 | 93,000 | 107,000 | 81,000 |
| Net income | 94,000 | 105,000 | 86,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,848,000 | 6,859,000 | 6,840,000 | 6,939,000 |
| Total capital | 7,313,000 | 7,311,000 | 7,282,000 | 7,363,000 |
| Risk-weighted assets | 36,951,000 | 35,982,000 | 35,049,000 | 33,608,000 |
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