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 | 30,540,000 | 31,895,000 | 34,245,000 | 35,945,000 |
| Total loans | 24,918,000 | 26,551,000 | 27,798,000 | 30,321,000 |
| Allowance for loan losses | 301,000 | 306,000 | 312,000 | 318,000 |
| Securities available for sale | 2,464,000 | 2,715,000 | 2,036,000 | 1,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,990,000 | 28,391,000 | 31,298,000 | 32,356,000 |
| Interest-bearing deposits | 22,972,000 | 24,158,000 | 27,098,000 | 27,778,000 |
| Noninterest-bearing deposits | 4,018,000 | 4,233,000 | 4,200,000 | 4,578,000 |
| Equity capital | 2,117,000 | 2,055,000 | 1,953,000 | 2,641,000 |
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 | 579,000 | 1,206,000 | 1,856,000 | 2,549,000 |
| Interest expense | 218,000 | 460,000 | 723,000 | 1,004,000 |
| Net interest income | 361,000 | 746,000 | 1,133,000 | 1,545,000 |
| Noninterest income | 94,000 | 186,000 | 266,000 | 360,000 |
| Noninterest expense | 317,000 | 622,000 | 1,001,000 | 1,413,000 |
| Provision for loan losses | 15,000 | 15,000 | 17,000 | 20,000 |
| Pretax income | 123,000 | 295,000 | 381,000 | 472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 123,000 | 295,000 | 381,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,137,000 | 2,070,000 | 1,957,000 | 2,641,000 |
| Total capital | 2,424,000 | 2,341,000 | 2,245,000 | 2,925,000 |
| Risk-weighted assets | 22,169,000 | 21,890,000 | 22,764,000 | 22,160,000 |