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 | 1,532,092,000 | 1,678,818,000 | 1,669,099,000 | 1,697,582,000 |
| Total loans | 966,319,000 | 1,006,556,000 | 1,138,877,000 | 1,172,360,000 |
| Allowance for loan losses | 7,613,000 | 7,711,000 | 7,806,000 | 7,648,000 |
| Securities available for sale | 432,019,000 | 412,597,000 | 393,130,000 | 380,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,251,000 | 3,202,000 | 2,873,000 | 2,690,000 |
| Total deposits | 1,190,065,000 | 1,347,080,000 | 1,135,094,000 | 1,164,913,000 |
| Interest-bearing deposits | 977,086,000 | 1,035,703,000 | 933,581,000 | 1,089,810,000 |
| Noninterest-bearing deposits | 212,979,000 | 311,377,000 | 201,513,000 | 75,103,000 |
| Equity capital | 154,352,000 | 155,146,000 | 166,132,000 | 168,478,000 |
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 | 19,223,000 | 39,553,000 | 61,917,000 | 86,356,000 |
| Interest expense | 9,038,000 | 19,373,000 | 31,786,000 | 45,305,000 |
| Net interest income | 10,185,000 | 20,180,000 | 30,131,000 | 41,051,000 |
| Noninterest income | 4,132,000 | 8,964,000 | 14,174,000 | 18,511,000 |
| Noninterest expense | 8,413,000 | 16,778,000 | 25,995,000 | 35,126,000 |
| Provision for loan losses | -556,000 | -191,000 | 163,000 | 221,000 |
| Pretax income | 6,561,000 | 12,658,000 | 18,273,000 | 24,340,000 |
| Income tax | 2,480,000 | 4,773,000 | 6,887,000 | 9,575,000 |
| Net income | 4,081,000 | 7,885,000 | 11,386,000 | 14,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,735,000 | 92,046,000 | 96,055,000 | 99,933,000 |
| Total capital | 95,574,000 | 100,068,000 | 104,268,000 | 108,034,000 |
| Risk-weighted assets | 799,385,000 | 861,682,000 | 964,540,000 | 1,010,217,000 |