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 | 103,216,000 | 104,329,000 | 105,667,000 | 109,553,000 |
| Total loans | 70,700,000 | 70,741,000 | 72,422,000 | 75,908,000 |
| Allowance for loan losses | 783,000 | 841,000 | 850,000 | 850,000 |
| Securities available for sale | 24,248,000 | 22,501,000 | 23,586,000 | 23,716,000 |
| Securities held to maturity | 3,030,000 | 3,401,000 | 3,268,000 | 3,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,971,000 | 93,506,000 | 94,969,000 | 98,501,000 |
| Interest-bearing deposits | 77,410,000 | 78,028,000 | 79,545,000 | 81,886,000 |
| Noninterest-bearing deposits | 15,561,000 | 15,478,000 | 15,424,000 | 16,615,000 |
| Equity capital | 7,604,000 | 7,574,000 | 8,280,000 | 8,608,000 |
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 | 1,669,000 | 3,468,000 | 5,321,000 | 7,288,000 |
| Interest expense | 640,000 | 1,365,000 | 2,165,000 | 3,052,000 |
| Net interest income | 1,029,000 | 2,103,000 | 3,156,000 | 4,236,000 |
| Noninterest income | 157,000 | 326,000 | 467,000 | 602,000 |
| Noninterest expense | 693,000 | 1,406,000 | 2,112,000 | 2,797,000 |
| Provision for loan losses | 62,000 | 117,000 | 135,000 | 153,000 |
| Pretax income | 431,000 | 906,000 | 1,376,000 | 1,888,000 |
| Income tax | 165,000 | 347,000 | 527,000 | 724,000 |
| Net income | 266,000 | 559,000 | 849,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,057,000 | 8,351,000 | 8,640,000 | 8,956,000 |
| Total capital | 8,840,000 | 9,192,000 | 9,490,000 | 9,806,000 |
| Risk-weighted assets | 68,867,000 | 69,809,000 | 71,150,000 | 75,587,000 |