Call reports 2006
CITIZENS BANK, N.A. — 2006
What CITIZENS BANK, N.A. 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 | 258,925,000 | 262,621,000 | 254,452,000 | 257,433,000 |
| Total loans | 167,361,000 | 170,078,000 | 169,738,000 | 172,465,000 |
| Allowance for loan losses | 1,669,000 | 1,784,000 | 1,910,000 | 2,042,000 |
| Securities available for sale | 50,058,000 | 46,986,000 | 47,746,000 | 52,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 6,006,000 | 5,346,000 | 4,758,000 | 4,595,000 |
| Total deposits | 169,466,000 | 180,998,000 | 176,741,000 | 175,199,000 |
| Interest-bearing deposits | 138,261,000 | 151,240,000 | 146,836,000 | 145,557,000 |
| Noninterest-bearing deposits | 31,205,000 | 29,758,000 | 29,905,000 | 29,642,000 |
| Equity capital | 19,555,000 | 18,747,000 | 20,358,000 | 22,652,000 |
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 | 3,884,000 | 7,936,000 | 12,073,000 | 15,902,000 |
| Interest expense | 1,787,000 | 3,618,000 | 5,503,000 | 7,394,000 |
| Net interest income | 2,097,000 | 4,318,000 | 6,570,000 | 8,508,000 |
| Noninterest income | 626,000 | 1,445,000 | 2,095,000 | 2,885,000 |
| Noninterest expense | 1,982,000 | 4,119,000 | 6,170,000 | 8,273,000 |
| Provision for loan losses | 126,000 | 258,000 | 391,000 | 514,000 |
| Pretax income | 635,000 | 1,397,000 | 2,116,000 | 2,618,000 |
| Income tax | 27,000 | 58,000 | 61,000 | 11,000 |
| Net income | 608,000 | 1,339,000 | 2,055,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,605,000 | 20,858,000 | 21,197,000 | 23,164,000 |
| Total capital | 22,274,000 | 22,641,000 | 23,107,000 | 25,206,000 |
| Risk-weighted assets | 199,742,000 | 200,918,000 | 199,837,000 | 201,321,000 |