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 | 26,027,000 | 27,665,000 | 27,968,000 | 29,736,000 |
| Total loans | 21,411,000 | 22,412,000 | 23,503,000 | 24,091,000 |
| Allowance for loan losses | 254,000 | 260,000 | 268,000 | 284,000 |
| Securities available for sale | 2,586,000 | 2,477,000 | 2,494,000 | 2,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,217,000 | 24,976,000 | 24,582,000 | 26,335,000 |
| Interest-bearing deposits | 19,974,000 | 21,357,000 | 21,075,000 | 22,214,000 |
| Noninterest-bearing deposits | 3,243,000 | 3,619,000 | 3,507,000 | 4,121,000 |
| Equity capital | 1,952,000 | 1,786,000 | 1,957,000 | 1,988,000 |
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 | 446,000 | 931,000 | 1,467,000 | 2,027,000 |
| Interest expense | 146,000 | 321,000 | 510,000 | 720,000 |
| Net interest income | 300,000 | 610,000 | 957,000 | 1,307,000 |
| Noninterest income | 64,000 | 135,000 | 210,000 | 287,000 |
| Noninterest expense | 256,000 | 508,000 | 779,000 | 1,152,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 24,000 |
| Pretax income | 105,000 | 231,000 | 379,000 | 418,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 231,000 | 379,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,006,000 | 1,844,000 | 1,993,000 | 2,015,000 |
| Total capital | 2,251,000 | 2,104,000 | 2,261,000 | 2,284,000 |
| Risk-weighted assets | 18,793,000 | 20,266,000 | 20,904,000 | 21,563,000 |