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 | 313,919,000 | 302,681,000 | 300,154,000 | 304,406,000 |
| Total loans | 188,929,000 | 192,716,000 | 200,058,000 | 215,590,000 |
| Allowance for loan losses | 5,343,000 | 5,236,000 | 5,251,000 | 5,261,000 |
| Securities available for sale | 71,112,000 | 70,413,000 | 69,194,000 | 59,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,401,000 | 269,657,000 | 265,567,000 | 269,790,000 |
| Interest-bearing deposits | 224,154,000 | 217,416,000 | 213,803,000 | 211,300,000 |
| Noninterest-bearing deposits | 54,247,000 | 52,241,000 | 51,764,000 | 58,490,000 |
| Equity capital | 29,283,000 | 29,380,000 | 30,461,000 | 30,645,000 |
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 | 4,773,000 | 9,623,000 | 14,660,000 | 19,682,000 |
| Interest expense | 1,602,000 | 3,220,000 | 4,890,000 | 6,631,000 |
| Net interest income | 3,171,000 | 6,403,000 | 9,770,000 | 13,051,000 |
| Noninterest income | 701,000 | 1,376,000 | 2,098,000 | 2,925,000 |
| Noninterest expense | 2,006,000 | 4,000,000 | 6,100,000 | 8,851,000 |
| Provision for loan losses | 20,000 | 45,000 | 70,000 | 88,000 |
| Pretax income | 1,846,000 | 3,734,000 | 5,698,000 | 7,043,000 |
| Income tax | 656,000 | 1,312,000 | 2,010,000 | 2,469,000 |
| Net income | 1,190,000 | 2,422,000 | 3,688,000 | 4,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,156,000 | 30,641,000 | 31,109,000 | 31,148,000 |
| Total capital | 32,590,000 | 33,065,000 | 33,590,000 | 33,755,000 |
| Risk-weighted assets | 191,849,000 | 191,080,000 | 195,702,000 | 205,907,000 |