Call reports 2007
CITIZENS BANK, NATIONAL ASSOCIATION — 2007
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 79,222,000 | 76,837,000 | 77,421,000 | 78,049,000 |
| Total loans | 51,912,000 | 49,874,000 | 49,197,000 | 52,352,000 |
| Allowance for loan losses | 594,000 | 594,000 | 594,000 | 559,000 |
| Securities available for sale | 17,816,000 | 17,471,000 | 16,922,000 | 13,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,539,000 | 67,693,000 | 68,794,000 | 68,656,000 |
| Interest-bearing deposits | 56,515,000 | 52,023,000 | 53,626,000 | 53,995,000 |
| Noninterest-bearing deposits | 14,024,000 | 15,670,000 | 15,169,000 | 14,662,000 |
| Equity capital | 7,860,000 | 7,914,000 | 8,169,000 | 8,007,000 |
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 | 1,308,000 | 2,624,000 | 3,916,000 | 5,227,000 |
| Interest expense | 607,000 | 1,187,000 | 1,735,000 | 2,291,000 |
| Net interest income | 701,000 | 1,437,000 | 2,181,000 | 2,936,000 |
| Noninterest income | 204,000 | 424,000 | 632,000 | 819,000 |
| Noninterest expense | 610,000 | 1,247,000 | 1,884,000 | 2,493,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 295,000 | 614,000 | 929,000 | 1,261,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 295,000 | 614,000 | 929,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,135,000 | 6,285,000 | 6,337,000 | 6,075,000 |
| Total capital | 6,729,000 | 6,879,000 | 6,931,000 | 6,634,000 |
| Risk-weighted assets | 61,255,000 | 59,215,000 | 60,265,000 | 62,205,000 |