Call reports 2006
CITIZENS BANK OF CONNECTICUT — 2006
What CITIZENS BANK OF CONNECTICUT 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 | 4,721,589,000 | 4,845,499,000 | 4,869,235,000 | 4,617,028,000 |
| Total loans | 2,946,759,000 | 3,053,860,000 | 3,123,802,000 | 3,087,926,000 |
| Allowance for loan losses | 21,811,000 | 21,781,000 | 21,813,000 | 23,694,000 |
| Securities available for sale | 1,468,971,000 | 1,499,294,000 | 1,483,996,000 | 1,223,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 14,786,000 | 18,934,000 | 13,153,000 | 14,059,000 |
| Total deposits | 3,606,888,000 | 3,767,826,000 | 3,255,097,000 | 3,154,313,000 |
| Interest-bearing deposits | 3,169,666,000 | 3,323,634,000 | 2,834,594,000 | 2,975,247,000 |
| Noninterest-bearing deposits | 437,222,000 | 444,192,000 | 420,503,000 | 179,066,000 |
| Equity capital | 340,026,000 | 343,540,000 | 379,449,000 | 390,402,000 |
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 | 59,658,000 | 124,441,000 | 194,030,000 | 262,572,000 |
| Interest expense | 29,440,000 | 64,157,000 | 102,460,000 | 140,774,000 |
| Net interest income | 30,218,000 | 60,284,000 | 91,570,000 | 121,798,000 |
| Noninterest income | 8,123,000 | 17,335,000 | 29,006,000 | 39,482,000 |
| Noninterest expense | 16,584,000 | 34,015,000 | 51,285,000 | 69,622,000 |
| Provision for loan losses | 779,000 | 1,774,000 | 2,836,000 | 6,126,000 |
| Pretax income | 21,449,000 | 42,301,000 | 67,218,000 | 87,505,000 |
| Income tax | 7,758,000 | 15,237,000 | 24,321,000 | 31,026,000 |
| Net income | 13,691,000 | 27,064,000 | 42,897,000 | 56,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 289,989,000 | 303,566,000 | 319,599,000 | 333,370,000 |
| Total capital | 312,740,000 | 326,573,000 | 343,515,000 | 359,784,000 |
| Risk-weighted assets | 2,850,007,000 | 3,008,302,000 | 3,004,884,000 | 2,999,059,000 |