Call reports 2006
CITIZENS BANK, THE — 2006
What CITIZENS BANK, THE 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 | 85,697,000 | 82,968,000 | 84,818,000 | 85,450,000 |
| Total loans | 54,677,000 | 55,916,000 | 56,764,000 | 56,208,000 |
| Allowance for loan losses | 1,368,000 | 1,420,000 | 1,032,000 | 1,100,000 |
| Securities available for sale | 19,512,000 | 19,741,000 | 20,739,000 | 21,371,000 |
| Securities held to maturity | 1,065,000 | 1,065,000 | 919,000 | 849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,659,000 | 64,609,000 | 66,191,000 | 68,262,000 |
| Interest-bearing deposits | 55,604,000 | 52,867,000 | 55,256,000 | 56,638,000 |
| Noninterest-bearing deposits | 12,055,000 | 11,742,000 | 10,936,000 | 11,624,000 |
| Equity capital | 10,133,000 | 10,036,000 | 10,590,000 | 10,802,000 |
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 | 1,231,000 | 2,454,000 | 3,724,000 | 5,014,000 |
| Interest expense | 481,000 | 973,000 | 1,501,000 | 2,047,000 |
| Net interest income | 750,000 | 1,481,000 | 2,223,000 | 2,967,000 |
| Noninterest income | 183,000 | 302,000 | 496,000 | 697,000 |
| Noninterest expense | 569,000 | 1,177,000 | 1,757,000 | 2,343,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 270,000 | 422,000 | 688,000 | 957,000 |
| Income tax | 63,000 | 96,000 | 143,000 | 200,000 |
| Net income | 207,000 | 326,000 | 545,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,333,000 | 10,445,000 | 10,669,000 | 10,883,000 |
| Total capital | 11,050,000 | 11,145,000 | 11,372,000 | 11,585,000 |
| Risk-weighted assets | 56,755,000 | 54,983,000 | 55,738,000 | 56,043,000 |