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 |
|---|---|---|
| Total assets | 1,527,629,000 | 1,581,629,000 |
| Total loans | 1,039,084,000 | 1,045,834,000 |
| Allowance for loan losses | 7,299,000 | 7,048,000 |
| Securities available for sale | 384,939,000 | 396,601,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 2,667,000 | 2,330,000 |
| Total deposits | 1,176,990,000 | 1,236,225,000 |
| Interest-bearing deposits | 1,109,501,000 | 1,170,747,000 |
| Noninterest-bearing deposits | 67,489,000 | 65,478,000 |
| Equity capital | 175,301,000 | 174,614,000 |
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 |
|---|---|---|
| Interest income | 26,239,000 | 47,109,000 |
| Interest expense | 14,540,000 | 25,898,000 |
| Net interest income | 11,699,000 | 21,211,000 |
| Noninterest income | 4,338,000 | 10,048,000 |
| Noninterest expense | 8,239,000 | 16,396,000 |
| Provision for loan losses | 33,000 | 177,000 |
| Pretax income | 8,130,000 | 15,051,000 |
| Income tax | 3,088,000 | 5,707,000 |
| Net income | 5,042,000 | 9,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 105,453,000 | 110,233,000 |
| Total capital | 113,208,000 | 117,594,000 |
| Risk-weighted assets | 888,440,000 | 880,942,000 |