Call reports 2009
CITIZENS BANK, THE — 2009
What CITIZENS BANK, THE 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 | 108,401,000 | 109,864,000 | 109,635,000 | 111,976,000 |
| Total loans | 67,605,000 | 68,935,000 | 69,910,000 | 69,464,000 |
| Allowance for loan losses | 662,000 | 552,000 | 558,000 | 593,000 |
| Securities available for sale | 23,803,000 | 25,891,000 | 24,254,000 | 26,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,444,000 | 96,479,000 | 95,765,000 | 97,787,000 |
| Interest-bearing deposits | 73,541,000 | 75,922,000 | 76,504,000 | 76,751,000 |
| Noninterest-bearing deposits | 20,903,000 | 20,557,000 | 19,261,000 | 21,036,000 |
| Equity capital | 10,671,000 | 10,684,000 | 11,083,000 | 10,989,000 |
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 | 1,530,000 | 2,967,000 | 4,412,000 | 5,871,000 |
| Interest expense | 341,000 | 698,000 | 1,054,000 | 1,406,000 |
| Net interest income | 1,189,000 | 2,269,000 | 3,358,000 | 4,465,000 |
| Noninterest income | 228,000 | 463,000 | 783,000 | 1,112,000 |
| Noninterest expense | 1,153,000 | 2,331,000 | 3,501,000 | 4,688,000 |
| Provision for loan losses | 159,000 | 210,000 | 276,000 | 342,000 |
| Pretax income | 174,000 | 260,000 | 434,000 | 617,000 |
| Income tax | 40,000 | 40,000 | 40,000 | 11,000 |
| Net income | 134,000 | 220,000 | 394,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,080,000 | 8,091,000 | 8,280,000 | 8,172,000 |
| Total capital | 8,742,000 | 8,643,000 | 8,838,000 | 8,765,000 |
| Risk-weighted assets | 66,125,000 | 67,233,000 | 67,316,000 | 68,206,000 |
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