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 | 107,231,000 | 107,314,000 | 106,111,000 | 106,463,000 |
| Total loans | 41,984,000 | 41,725,000 | 43,191,000 | 43,824,000 |
| Allowance for loan losses | 1,127,000 | 1,170,000 | 1,102,000 | 1,021,000 |
| Securities available for sale | 40,855,000 | 39,113,000 | 37,373,000 | 36,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,668,000 | 91,959,000 | 89,496,000 | 90,676,000 |
| Interest-bearing deposits | 68,990,000 | 69,264,000 | 67,286,000 | 68,344,000 |
| Noninterest-bearing deposits | 22,679,000 | 22,695,000 | 22,210,000 | 22,332,000 |
| Equity capital | 15,147,000 | 14,850,000 | 15,153,000 | 15,427,000 |
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 | 1,525,000 | 3,071,000 | 4,620,000 | 6,173,000 |
| Interest expense | 556,000 | 1,120,000 | 1,693,000 | 2,267,000 |
| Net interest income | 969,000 | 1,951,000 | 2,927,000 | 3,906,000 |
| Noninterest income | 184,000 | 396,000 | 610,000 | 1,107,000 |
| Noninterest expense | 819,000 | 1,623,000 | 2,434,000 | 3,252,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 152,000 |
| Pretax income | 298,000 | 652,000 | 995,000 | 1,292,000 |
| Income tax | 87,000 | 210,000 | 321,000 | 421,000 |
| Net income | 211,000 | 442,000 | 674,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,709,000 | 15,639,000 | 15,677,000 | 15,571,000 |
| Total capital | 16,438,000 | 16,372,000 | 16,416,000 | 16,290,000 |
| Risk-weighted assets | 57,918,000 | 58,197,000 | 58,746,000 | 57,081,000 |