Call reports 2007
CITIZENS BANK, N.A. — 2007
What CITIZENS BANK, N.A. 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 | 259,833,000 | 260,716,000 | 271,561,000 | 284,038,000 |
| Total loans | 175,151,000 | 173,449,000 | 177,778,000 | 180,694,000 |
| Allowance for loan losses | 2,057,000 | 1,739,000 | 1,917,000 | 2,049,000 |
| Securities available for sale | 51,662,000 | 50,358,000 | 58,646,000 | 69,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,448,000 | 3,968,000 | 3,834,000 | 891,000 |
| Total deposits | 181,672,000 | 182,629,000 | 187,266,000 | 192,656,000 |
| Interest-bearing deposits | 152,227,000 | 152,496,000 | 159,091,000 | 161,555,000 |
| Noninterest-bearing deposits | 29,445,000 | 30,133,000 | 28,175,000 | 31,101,000 |
| Equity capital | 23,096,000 | 22,006,000 | 24,557,000 | 25,561,000 |
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 | 4,072,000 | 8,181,000 | 12,497,000 | 16,852,000 |
| Interest expense | 1,918,000 | 3,889,000 | 5,924,000 | 8,035,000 |
| Net interest income | 2,154,000 | 4,292,000 | 6,573,000 | 8,817,000 |
| Noninterest income | 653,000 | 1,351,000 | 2,089,000 | 2,749,000 |
| Noninterest expense | 2,072,000 | 4,180,000 | 6,308,000 | 8,475,000 |
| Provision for loan losses | 63,000 | 126,000 | 278,000 | 431,000 |
| Pretax income | 672,000 | 1,337,000 | 2,076,000 | 2,745,000 |
| Income tax | 47,000 | 75,000 | 101,000 | 78,000 |
| Net income | 625,000 | 1,262,000 | 1,975,000 | 2,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,500,000 | 23,799,000 | 25,319,000 | 25,588,000 |
| Total capital | 25,557,000 | 25,538,000 | 27,236,000 | 27,637,000 |
| Risk-weighted assets | 202,563,000 | 206,033,000 | 211,707,000 | 218,804,000 |