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 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 29,784,000 | 27,824,000 | 27,987,000 | 30,383,000 |
| Total loans | 18,001,000 | 19,040,000 | 19,058,000 | 18,982,000 |
| Allowance for loan losses | 220,000 | 220,000 | 220,000 | 220,000 |
| Securities available for sale | 8,043,000 | 6,714,000 | 6,859,000 | 9,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,322,000 | 22,304,000 | 23,066,000 | 24,436,000 |
| Interest-bearing deposits | 18,718,000 | 17,492,000 | 18,891,000 | 18,415,000 |
| Noninterest-bearing deposits | 5,604,000 | 4,812,000 | 4,175,000 | 6,021,000 |
| Equity capital | 3,240,000 | 3,311,000 | 3,484,000 | 3,575,000 |
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 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 891,000 | 1,359,000 | 1,836,000 |
| Interest expense | 178,000 | 356,000 | 540,000 | 720,000 |
| Net interest income | 257,000 | 535,000 | 819,000 | 1,116,000 |
| Noninterest income | 87,000 | 163,000 | 259,000 | 300,000 |
| Noninterest expense | 254,000 | 511,000 | 773,000 | 1,046,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 187,000 | 305,000 | 370,000 |
| Income tax | 4,000 | 9,000 | 15,000 | 23,000 |
| Net income | 86,000 | 178,000 | 290,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,346,000 | 3,438,000 | 3,550,000 | 3,608,000 |
| Total capital | 3,566,000 | 3,658,000 | 3,770,000 | 3,828,000 |
| Risk-weighted assets | 20,802,000 | 20,799,000 | 20,517,000 | 21,863,000 |