Call reports 2006
CITIZENS BANK OF RHODE ISLAND — 2006
What CITIZENS BANK OF RHODE ISLAND 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 | 13,025,373,000 | 14,411,869,000 | 14,116,034,000 | 13,877,645,000 |
| Total loans | 8,525,671,000 | 8,719,687,000 | 9,367,647,000 | 9,108,323,000 |
| Allowance for loan losses | 61,306,000 | 74,774,000 | 63,176,000 | 64,638,000 |
| Securities available for sale | 2,380,176,000 | 2,277,366,000 | 2,291,979,000 | 2,329,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 20,960,000 | 60,951,000 | 49,674,000 | 60,254,000 |
| Total deposits | 8,463,059,000 | 10,374,853,000 | 8,598,870,000 | 9,214,741,000 |
| Interest-bearing deposits | 6,471,098,000 | 7,468,536,000 | 6,280,934,000 | 7,217,547,000 |
| Noninterest-bearing deposits | 1,991,961,000 | 2,906,317,000 | 2,317,936,000 | 1,997,194,000 |
| Equity capital | 977,053,000 | 1,010,264,000 | 1,059,383,000 | 1,076,074,000 |
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 | 162,688,000 | 330,354,000 | 507,316,000 | 684,015,000 |
| Interest expense | 74,592,000 | 154,522,000 | 244,401,000 | 337,453,000 |
| Net interest income | 88,096,000 | 175,832,000 | 262,915,000 | 346,562,000 |
| Noninterest income | 56,664,000 | 117,504,000 | 180,720,000 | 241,026,000 |
| Noninterest expense | 70,062,000 | 142,545,000 | 216,107,000 | 294,058,000 |
| Provision for loan losses | 5,763,000 | 21,162,000 | 41,957,000 | 50,328,000 |
| Pretax income | 68,989,000 | 129,686,000 | 185,628,000 | 243,782,000 |
| Income tax | 24,460,000 | 44,305,000 | 63,444,000 | 81,775,000 |
| Net income | 44,529,000 | 85,381,000 | 122,184,000 | 162,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 933,968,000 | 975,235,000 | 1,012,453,000 | 1,049,984,000 |
| Total capital | 998,803,000 | 1,053,372,000 | 1,079,277,000 | 1,118,542,000 |
| Risk-weighted assets | 9,340,563,000 | 9,901,450,000 | 9,975,158,000 | 10,108,470,000 |