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 | 271,083,000 | 286,521,000 | 280,647,000 | 293,731,000 |
| Total loans | 179,771,000 | 179,864,000 | 188,828,000 | 189,020,000 |
| Allowance for loan losses | 2,120,000 | 2,125,000 | 2,153,000 | 2,204,000 |
| Securities available for sale | 18,966,000 | 19,554,000 | 23,168,000 | 25,498,000 |
| Securities held to maturity | 52,320,000 | 51,792,000 | 49,833,000 | 48,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,182,000 | 245,754,000 | 232,103,000 | 252,767,000 |
| Interest-bearing deposits | 180,964,000 | 197,199,000 | 182,130,000 | 201,733,000 |
| Noninterest-bearing deposits | 49,218,000 | 48,555,000 | 49,973,000 | 51,034,000 |
| Equity capital | 30,900,000 | 31,110,000 | 31,245,000 | 31,472,000 |
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 | 3,695,000 | 7,515,000 | 11,668,000 | 15,948,000 |
| Interest expense | 1,002,000 | 2,150,000 | 3,516,000 | 5,013,000 |
| Net interest income | 2,693,000 | 5,365,000 | 8,152,000 | 10,935,000 |
| Noninterest income | 809,000 | 1,620,000 | 2,439,000 | 3,217,000 |
| Noninterest expense | 2,691,000 | 5,335,000 | 8,115,000 | 10,889,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 262,000 |
| Pretax income | 751,000 | 1,530,000 | 2,296,000 | 3,001,000 |
| Income tax | 91,000 | 193,000 | 296,000 | 375,000 |
| Net income | 660,000 | 1,337,000 | 2,000,000 | 2,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,984,000 | 31,195,000 | 31,261,000 | 31,460,000 |
| Total capital | 33,104,000 | 33,320,000 | 33,414,000 | 33,664,000 |
| Risk-weighted assets | 198,303,000 | 201,477,000 | 207,631,000 | 208,716,000 |
Machine access — free, no API key
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