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 | 106,025,000 | 102,640,000 | 102,755,000 | 102,115,000 |
| Total loans | 38,560,000 | 39,391,000 | 38,956,000 | 41,448,000 |
| Allowance for loan losses | 999,000 | 1,127,000 | 1,149,000 | 1,168,000 |
| Securities available for sale | 46,526,000 | 44,405,000 | 43,404,000 | 41,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,963,000 | 88,033,000 | 87,745,000 | 87,008,000 |
| Interest-bearing deposits | 68,535,000 | 67,061,000 | 65,662,000 | 65,337,000 |
| Noninterest-bearing deposits | 22,428,000 | 20,972,000 | 22,083,000 | 21,671,000 |
| Equity capital | 14,768,000 | 14,372,000 | 14,646,000 | 14,833,000 |
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 | 1,334,000 | 2,762,000 | 4,197,000 | 5,667,000 |
| Interest expense | 448,000 | 941,000 | 1,460,000 | 1,993,000 |
| Net interest income | 886,000 | 1,821,000 | 2,737,000 | 3,674,000 |
| Noninterest income | 173,000 | -136,000 | 88,000 | 282,000 |
| Noninterest expense | 826,000 | 1,648,000 | 2,515,000 | 3,359,000 |
| Provision for loan losses | 36,000 | 77,000 | 113,000 | 149,000 |
| Pretax income | 189,000 | -48,000 | 189,000 | 440,000 |
| Income tax | 63,000 | 73,000 | 101,000 | 40,000 |
| Net income | 126,000 | -121,000 | 88,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,764,000 | 15,516,000 | 15,508,000 | 15,498,000 |
| Total capital | 16,476,000 | 16,228,000 | 16,215,000 | 16,224,000 |
| Risk-weighted assets | 56,645,000 | 56,516,000 | 56,136,000 | 57,632,000 |