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 | 167,118,000 | 178,237,000 | 178,469,000 | 172,072,000 |
| Total loans | 69,953,000 | 84,280,000 | 96,864,000 | 100,276,000 |
| Allowance for loan losses | 611,000 | 625,000 | 655,000 | 652,000 |
| Securities available for sale | 84,931,000 | 80,494,000 | 68,177,000 | 56,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,638,000 | 146,584,000 | 151,105,000 | 155,837,000 |
| Interest-bearing deposits | 127,843,000 | 123,492,000 | 128,756,000 | 131,602,000 |
| Noninterest-bearing deposits | 25,794,000 | 23,092,000 | 22,349,000 | 24,235,000 |
| Equity capital | 10,934,000 | 10,336,000 | 11,566,000 | 11,816,000 |
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 | 2,319,000 | 4,830,000 | 7,616,000 | 10,489,000 |
| Interest expense | 1,059,000 | 2,277,000 | 3,727,000 | 5,283,000 |
| Net interest income | 1,260,000 | 2,553,000 | 3,889,000 | 5,206,000 |
| Noninterest income | 222,000 | 480,000 | 743,000 | 1,025,000 |
| Noninterest expense | 1,121,000 | 2,284,000 | 3,436,000 | 4,684,000 |
| Provision for loan losses | 50,000 | 75,000 | 90,000 | 120,000 |
| Pretax income | 311,000 | 674,000 | 1,089,000 | 1,441,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 33,000 |
| Net income | 304,000 | 661,000 | 1,069,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,458,000 | 11,666,000 | 11,924,000 | 12,113,000 |
| Total capital | 12,069,000 | 12,291,000 | 12,579,000 | 12,765,000 |
| Risk-weighted assets | 86,835,000 | 100,794,000 | 109,880,000 | 112,306,000 |