Call reports 2007
CITIZENS BANK OF PENNSYLVANIA — 2007
What CITIZENS BANK OF PENNSYLVANIA 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 | 32,626,979,000 | 32,310,580,000 | 35,635,166,000 | 39,643,178,000 |
| Total loans | 20,634,357,000 | 20,361,563,000 | 19,626,769,000 | 19,396,353,000 |
| Allowance for loan losses | 160,929,000 | 150,140,000 | 124,369,000 | 147,114,000 |
| Securities available for sale | 8,291,896,000 | 7,624,667,000 | 8,004,779,000 | 9,495,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 33,925,000 | 42,493,000 | 37,023,000 | 78,089,000 |
| Total deposits | 24,937,845,000 | 24,485,743,000 | 26,175,044,000 | 25,578,202,000 |
| Interest-bearing deposits | 23,530,595,000 | 23,155,031,000 | 24,416,337,000 | 24,066,803,000 |
| Noninterest-bearing deposits | 1,407,250,000 | 1,330,712,000 | 1,758,707,000 | 1,511,399,000 |
| Equity capital | 4,642,795,000 | 4,437,242,000 | 4,518,700,000 | 4,501,917,000 |
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 | 446,205,000 | 894,330,000 | 1,343,505,000 | 1,828,949,000 |
| Interest expense | 227,269,000 | 460,102,000 | 710,451,000 | 986,882,000 |
| Net interest income | 218,936,000 | 434,228,000 | 633,054,000 | 842,067,000 |
| Noninterest income | 74,569,000 | 203,045,000 | 294,435,000 | 372,344,000 |
| Noninterest expense | 171,197,000 | 332,840,000 | 512,728,000 | 672,987,000 |
| Provision for loan losses | 24,308,000 | 40,177,000 | 58,843,000 | 100,731,000 |
| Pretax income | 98,907,000 | 265,163,000 | 356,825,000 | 441,599,000 |
| Income tax | 33,008,000 | 93,478,000 | 122,998,000 | 153,867,000 |
| Net income | 65,899,000 | 171,685,000 | 233,827,000 | 287,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,282,196,000 | 2,171,227,000 | 2,242,189,000 | 2,257,120,000 |
| Total capital | 2,498,216,000 | 2,361,533,000 | 2,405,231,000 | 2,442,392,000 |
| Risk-weighted assets | 22,443,596,000 | 22,275,173,000 | 22,446,504,000 | 23,157,862,000 |