Call reports 2007
CITIZENS BANK, THE — 2007
What CITIZENS BANK, THE 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 | 508,127,000 | 509,146,000 | 521,225,000 | 514,653,000 |
| Total loans | 212,736,000 | 215,555,000 | 215,127,000 | 215,574,000 |
| Allowance for loan losses | 3,492,000 | 3,424,000 | 3,372,000 | 3,245,000 |
| Securities available for sale | 221,291,000 | 218,124,000 | 249,001,000 | 234,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,254,000 | 417,472,000 | 427,339,000 | 431,891,000 |
| Interest-bearing deposits | 316,025,000 | 310,897,000 | 320,612,000 | 322,860,000 |
| Noninterest-bearing deposits | 109,229,000 | 106,575,000 | 106,727,000 | 109,031,000 |
| Equity capital | 38,666,000 | 37,106,000 | 40,893,000 | 42,143,000 |
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 | 6,894,000 | 14,037,000 | 21,515,000 | 28,741,000 |
| Interest expense | 2,402,000 | 4,868,000 | 7,600,000 | 10,140,000 |
| Net interest income | 4,492,000 | 9,169,000 | 13,915,000 | 18,601,000 |
| Noninterest income | 1,619,000 | 3,402,000 | 5,228,000 | 7,084,000 |
| Noninterest expense | 3,446,000 | 6,797,000 | 10,164,000 | 13,575,000 |
| Provision for loan losses | 90,000 | 180,000 | 180,000 | 180,000 |
| Pretax income | 2,575,000 | 5,594,000 | 8,799,000 | 11,930,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,575,000 | 5,594,000 | 8,799,000 | 11,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,913,000 | 41,457,000 | 42,914,000 | 43,516,000 |
| Total capital | 44,298,000 | 44,892,000 | 46,320,000 | 46,930,000 |
| Risk-weighted assets | 270,572,000 | 274,607,000 | 272,275,000 | 273,098,000 |