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 | 54,563,000 | 53,388,000 | 55,765,000 | 55,474,000 |
| Total loans | 28,638,000 | 29,129,000 | 29,422,000 | 29,161,000 |
| Allowance for loan losses | 467,000 | 462,000 | 476,000 | 463,000 |
| Securities available for sale | 17,101,000 | 16,825,000 | 16,368,000 | 17,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,693,000 | 47,493,000 | 49,473,000 | 49,117,000 |
| Interest-bearing deposits | 38,038,000 | 37,926,000 | 38,350,000 | 38,751,000 |
| Noninterest-bearing deposits | 10,655,000 | 9,567,000 | 11,123,000 | 10,366,000 |
| Equity capital | 5,375,000 | 5,379,000 | 5,713,000 | 5,704,000 |
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 | 852,000 | 1,709,000 | 2,657,000 | 3,581,000 |
| Interest expense | 233,000 | 488,000 | 769,000 | 1,075,000 |
| Net interest income | 619,000 | 1,221,000 | 1,888,000 | 2,506,000 |
| Noninterest income | 161,000 | 321,000 | 445,000 | 779,000 |
| Noninterest expense | 560,000 | 1,104,000 | 1,621,000 | 2,337,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 220,000 | 438,000 | 712,000 | 948,000 |
| Income tax | 11,000 | 111,000 | 231,000 | 296,000 |
| Net income | 209,000 | 327,000 | 481,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,600,000 | 5,719,000 | 5,872,000 | 5,836,000 |
| Total capital | 6,009,000 | 6,132,000 | 6,290,000 | 6,251,000 |
| Risk-weighted assets | 32,685,000 | 32,973,000 | 33,386,000 | 33,117,000 |