Call reports 2006
CITIZENS BANK, THE — 2006
What CITIZENS BANK, THE 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 | 507,091,000 | 495,147,000 | 493,684,000 | 494,917,000 |
| Total loans | 207,464,000 | 212,566,000 | 211,714,000 | 212,599,000 |
| Allowance for loan losses | 3,025,000 | 3,166,000 | 3,301,000 | 3,411,000 |
| Securities available for sale | 215,653,000 | 224,200,000 | 229,622,000 | 221,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,345,000 | 416,732,000 | 411,868,000 | 413,339,000 |
| Interest-bearing deposits | 320,779,000 | 312,977,000 | 310,207,000 | 307,102,000 |
| Noninterest-bearing deposits | 106,566,000 | 103,755,000 | 101,661,000 | 106,237,000 |
| Equity capital | 33,544,000 | 32,606,000 | 36,510,000 | 36,814,000 |
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 | 6,435,000 | 13,128,000 | 20,006,000 | 26,867,000 |
| Interest expense | 1,972,000 | 4,118,000 | 6,443,000 | 8,790,000 |
| Net interest income | 4,463,000 | 9,010,000 | 13,563,000 | 18,077,000 |
| Noninterest income | 1,603,000 | 3,203,000 | 4,925,000 | 6,563,000 |
| Noninterest expense | 3,266,000 | 6,498,000 | 9,908,000 | 13,283,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 2,621,000 | 5,356,000 | 8,037,000 | 10,996,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,621,000 | 5,356,000 | 8,037,000 | 10,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,195,000 | 38,642,000 | 39,579,000 | 40,170,000 |
| Total capital | 41,404,000 | 41,997,000 | 43,037,000 | 43,589,000 |
| Risk-weighted assets | 271,975,000 | 278,251,000 | 277,029,000 | 273,367,000 |