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 | 544,954,000 | 577,918,000 | 578,408,000 | 595,936,000 |
| Total loans | 429,441,000 | 457,848,000 | 460,057,000 | 473,784,000 |
| Allowance for loan losses | 4,305,000 | 4,486,000 | 4,586,000 | 4,210,000 |
| Securities available for sale | 72,130,000 | 79,458,000 | 78,330,000 | 80,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,990,000 | 409,194,000 | 420,221,000 | 432,282,000 |
| Interest-bearing deposits | 349,486,000 | 344,305,000 | 348,862,000 | 367,621,000 |
| Noninterest-bearing deposits | 64,504,000 | 64,889,000 | 71,359,000 | 64,661,000 |
| Equity capital | 66,423,000 | 66,704,000 | 68,137,000 | 66,555,000 |
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 | 9,225,000 | 19,165,000 | 29,513,000 | 40,005,000 |
| Interest expense | 3,065,000 | 6,610,000 | 10,695,000 | 14,961,000 |
| Net interest income | 6,160,000 | 12,555,000 | 18,818,000 | 25,044,000 |
| Noninterest income | 1,069,000 | 2,506,000 | 3,564,000 | 4,706,000 |
| Noninterest expense | 3,680,000 | 7,340,000 | 10,851,000 | 14,509,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 546,000 |
| Pretax income | 3,369,000 | 7,361,000 | 11,002,000 | 14,706,000 |
| Income tax | 250,000 | 536,000 | 797,000 | 974,000 |
| Net income | 3,119,000 | 6,825,000 | 10,205,000 | 13,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,670,000 | 60,719,000 | 61,370,000 | 60,010,000 |
| Total capital | 63,975,000 | 65,205,000 | 65,906,000 | 64,220,000 |
| Risk-weighted assets | 354,010,000 | 365,097,000 | 363,253,000 | 365,214,000 |