Call reports 2007
CITIZENS BANK — 2007
What CITIZENS BANK 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 | 112,794,000 | 119,335,000 | 123,497,000 | 127,436,000 |
| Total loans | 78,098,000 | 84,693,000 | 89,127,000 | 90,597,000 |
| Allowance for loan losses | 845,000 | 802,000 | 826,000 | 898,000 |
| Securities available for sale | 25,570,000 | 24,259,000 | 23,884,000 | 23,831,000 |
| Securities held to maturity | 3,045,000 | 3,449,000 | 4,048,000 | 4,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,355,000 | 103,934,000 | 108,704,000 | 116,827,000 |
| Interest-bearing deposits | 83,913,000 | 82,934,000 | 93,147,000 | 99,985,000 |
| Noninterest-bearing deposits | 17,442,000 | 21,000,000 | 15,557,000 | 16,842,000 |
| Equity capital | 8,968,000 | 9,027,000 | 9,343,000 | 9,879,000 |
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 | 2,012,000 | 4,214,000 | 6,458,000 | 8,769,000 |
| Interest expense | 903,000 | 1,943,000 | 3,050,000 | 4,192,000 |
| Net interest income | 1,109,000 | 2,271,000 | 3,408,000 | 4,577,000 |
| Noninterest income | 143,000 | 327,000 | 512,000 | 694,000 |
| Noninterest expense | 738,000 | 1,495,000 | 2,241,000 | 2,971,000 |
| Provision for loan losses | 18,000 | 51,000 | 114,000 | 314,000 |
| Pretax income | 496,000 | 1,052,000 | 1,565,000 | 1,986,000 |
| Income tax | 190,000 | 403,000 | 599,000 | 766,000 |
| Net income | 306,000 | 649,000 | 966,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,262,000 | 9,605,000 | 9,820,000 | 10,074,000 |
| Total capital | 10,107,000 | 10,407,000 | 10,646,000 | 10,972,000 |
| Risk-weighted assets | 77,885,000 | 83,620,000 | 87,146,000 | 89,103,000 |