Call reports 2006
CITIZENS BANK, NATIONAL ASSOCIATION — 2006
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 72,437,000 | 75,742,000 | 74,835,000 | 83,132,000 |
| Total loans | 46,901,000 | 48,339,000 | 48,739,000 | 50,124,000 |
| Allowance for loan losses | 583,000 | 581,000 | 577,000 | 625,000 |
| Securities available for sale | 16,604,000 | 17,210,000 | 16,710,000 | 16,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,271,000 | 64,480,000 | 65,941,000 | 74,977,000 |
| Interest-bearing deposits | 49,043,000 | 48,602,000 | 51,285,000 | 58,076,000 |
| Noninterest-bearing deposits | 14,227,000 | 15,878,000 | 14,656,000 | 16,901,000 |
| Equity capital | 6,927,000 | 6,883,000 | 7,048,000 | 7,746,000 |
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 | 1,023,000 | 2,128,000 | 3,322,000 | 4,668,000 |
| Interest expense | 400,000 | 853,000 | 1,419,000 | 2,016,000 |
| Net interest income | 623,000 | 1,275,000 | 1,903,000 | 2,652,000 |
| Noninterest income | 185,000 | 386,000 | 595,000 | 806,000 |
| Noninterest expense | 564,000 | 1,182,000 | 1,787,000 | 2,390,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 244,000 | 479,000 | 711,000 | 1,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 244,000 | 479,000 | 711,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,395,000 | 5,467,000 | 5,468,000 | 6,075,000 |
| Total capital | 5,978,000 | 6,048,000 | 6,045,000 | 6,700,000 |
| Risk-weighted assets | 58,854,000 | 57,946,000 | 57,362,000 | 60,123,000 |