Call reports 2010
CITIZENS BANK — 2010
What CITIZENS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 289,939,000 | 295,896,000 | 299,624,000 | 312,995,000 |
| Total loans | 201,306,000 | 192,014,000 | 182,030,000 | 177,389,000 |
| Allowance for loan losses | 6,247,000 | 5,002,000 | 4,824,000 | 4,885,000 |
| Securities available for sale | 14,714,000 | 14,763,000 | 13,885,000 | 11,999,000 |
| Securities held to maturity | 12,976,000 | 13,986,000 | 13,596,000 | 13,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,682,000 | 264,220,000 | 267,598,000 | 280,918,000 |
| Interest-bearing deposits | 176,608,000 | 183,299,000 | 190,394,000 | 196,990,000 |
| Noninterest-bearing deposits | 82,074,000 | 80,921,000 | 77,204,000 | 83,928,000 |
| Equity capital | 30,282,000 | 30,559,000 | 30,708,000 | 30,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,412,000 | 6,818,000 | 10,121,000 | 13,417,000 |
| Interest expense | 493,000 | 973,000 | 1,440,000 | 1,877,000 |
| Net interest income | 2,919,000 | 5,845,000 | 8,681,000 | 11,540,000 |
| Noninterest income | 358,000 | 714,000 | 1,254,000 | 1,635,000 |
| Noninterest expense | 2,874,000 | 5,658,000 | 8,470,000 | 11,172,000 |
| Provision for loan losses | 120,000 | 240,000 | 485,000 | 605,000 |
| Pretax income | 283,000 | 661,000 | 980,000 | 1,398,000 |
| Income tax | 91,000 | 215,000 | 318,000 | 455,000 |
| Net income | 192,000 | 446,000 | 662,000 | 943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,777,000 | 30,031,000 | 30,246,000 | 30,528,000 |
| Total capital | 32,634,000 | 32,751,000 | 32,879,000 | 33,051,000 |
| Risk-weighted assets | 224,980,000 | 215,313,000 | 208,374,000 | 204,712,000 |