Call reports 2009
CITIZENS BANK — 2009
What CITIZENS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 280,537,000 | 277,652,000 | 286,058,000 | 283,771,000 |
| Total loans | 204,665,000 | 205,274,000 | 205,476,000 | 204,941,000 |
| Allowance for loan losses | 2,110,000 | 4,686,000 | 4,778,000 | 6,191,000 |
| Securities available for sale | 20,369,000 | 18,919,000 | 17,939,000 | 17,325,000 |
| Securities held to maturity | 13,209,000 | 12,612,000 | 12,031,000 | 11,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,765,000 | 246,026,000 | 253,634,000 | 252,644,000 |
| Interest-bearing deposits | 163,030,000 | 166,646,000 | 172,278,000 | 175,156,000 |
| Noninterest-bearing deposits | 84,735,000 | 79,381,000 | 81,356,000 | 77,488,000 |
| Equity capital | 31,356,000 | 30,244,000 | 30,969,000 | 30,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,275,000 | 8,214,000 | 11,983,000 | 15,661,000 |
| Interest expense | 627,000 | 1,236,000 | 1,823,000 | 2,379,000 |
| Net interest income | 3,648,000 | 6,978,000 | 10,160,000 | 13,282,000 |
| Noninterest income | 373,000 | 1,182,000 | 1,803,000 | 2,190,000 |
| Noninterest expense | 2,986,000 | 5,986,000 | 8,834,000 | 11,637,000 |
| Provision for loan losses | 350,000 | 2,925,000 | 3,000,000 | 5,120,000 |
| Pretax income | 685,000 | -751,000 | 129,000 | -1,285,000 |
| Income tax | 153,000 | -341,000 | -47,000 | -532,000 |
| Net income | 532,000 | -410,000 | 176,000 | -753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,869,000 | 29,927,000 | 30,513,000 | 29,585,000 |
| Total capital | 32,979,000 | 32,756,000 | 33,358,000 | 32,472,000 |
| Risk-weighted assets | 237,930,000 | 232,369,000 | 229,692,000 | 227,630,000 |