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 | 27,917,000 | 27,633,000 | 27,734,000 | 28,158,000 |
| Total loans | 16,275,000 | 16,530,000 | 17,282,000 | 18,042,000 |
| Allowance for loan losses | 226,000 | 225,000 | 225,000 | 225,000 |
| Securities available for sale | 10,021,000 | 8,856,000 | 8,656,000 | 8,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,696,000 | 22,249,000 | 22,164,000 | 22,408,000 |
| Interest-bearing deposits | 18,238,000 | 17,882,000 | 17,891,000 | 17,655,000 |
| Noninterest-bearing deposits | 4,458,000 | 4,367,000 | 4,273,000 | 4,753,000 |
| Equity capital | 3,254,000 | 3,168,000 | 3,334,000 | 3,119,000 |
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 | 381,000 | 774,000 | 1,181,000 | 1,608,000 |
| Interest expense | 141,000 | 301,000 | 467,000 | 637,000 |
| Net interest income | 240,000 | 473,000 | 714,000 | 971,000 |
| Noninterest income | 68,000 | 142,000 | 235,000 | 307,000 |
| Noninterest expense | 255,000 | 504,000 | 754,000 | 1,001,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 53,000 | 111,000 | 195,000 | 277,000 |
| Income tax | 3,000 | 6,000 | 10,000 | 15,000 |
| Net income | 50,000 | 105,000 | 185,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,437,000 | 3,434,000 | 3,484,000 | 3,261,000 |
| Total capital | 3,663,000 | 3,659,000 | 3,709,000 | 3,486,000 |
| Risk-weighted assets | 18,713,000 | 18,739,000 | 19,587,000 | 20,436,000 |