Call reports 2008
CITIZENS BANK — 2008
What CITIZENS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 274,608,000 | 279,347,000 | 286,531,000 | 280,724,000 |
| Total loans | 184,899,000 | 188,363,000 | 190,668,000 | 202,308,000 |
| Allowance for loan losses | 2,111,000 | 2,175,000 | 2,232,000 | 2,368,000 |
| Securities available for sale | 20,463,000 | 22,124,000 | 20,000,000 | 19,815,000 |
| Securities held to maturity | 12,466,000 | 11,702,000 | 11,110,000 | 13,676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,962,000 | 248,820,000 | 255,020,000 | 245,966,000 |
| Interest-bearing deposits | 223,549,000 | 227,359,000 | 235,487,000 | 155,669,000 |
| Noninterest-bearing deposits | 20,413,000 | 21,461,000 | 19,533,000 | 90,297,000 |
| Equity capital | 28,813,000 | 29,086,000 | 29,821,000 | 30,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,309,000 | 8,250,000 | 12,369,000 | 16,539,000 |
| Interest expense | 968,000 | 1,828,000 | 2,666,000 | 3,345,000 |
| Net interest income | 3,341,000 | 6,422,000 | 9,703,000 | 13,194,000 |
| Noninterest income | 428,000 | 818,000 | 1,228,000 | 1,862,000 |
| Noninterest expense | 2,688,000 | 5,250,000 | 8,036,000 | 10,877,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 540,000 |
| Pretax income | 1,021,000 | 1,870,000 | 2,715,000 | 3,639,000 |
| Income tax | 359,000 | 643,000 | 940,000 | 1,105,000 |
| Net income | 662,000 | 1,227,000 | 1,775,000 | 2,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,465,000 | 29,031,000 | 29,577,000 | 30,337,000 |
| Total capital | 30,576,000 | 31,206,000 | 31,809,000 | 32,705,000 |
| Risk-weighted assets | 216,176,000 | 217,541,000 | 225,308,000 | 235,621,000 |
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