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 | 494,593,000 | 493,657,000 | 507,465,000 | 515,224,000 |
| Total loans | 342,842,000 | 349,493,000 | 350,801,000 | 354,835,000 |
| Allowance for loan losses | 4,639,000 | 5,090,000 | 5,047,000 | 5,227,000 |
| Securities available for sale | 124,751,000 | 115,855,000 | 128,007,000 | 132,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,011,000 | 0 | 0 | 0 |
| Total deposits | 384,152,000 | 391,239,000 | 392,385,000 | 410,402,000 |
| Interest-bearing deposits | 346,870,000 | 356,106,000 | 357,607,000 | 370,957,000 |
| Noninterest-bearing deposits | 37,282,000 | 35,133,000 | 34,778,000 | 39,445,000 |
| Equity capital | 48,037,000 | 47,922,000 | 50,168,000 | 48,716,000 |
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 | 7,416,000 | 14,730,000 | 21,960,000 | 29,125,000 |
| Interest expense | 2,398,000 | 4,659,000 | 6,883,000 | 9,089,000 |
| Net interest income | 5,018,000 | 10,071,000 | 15,077,000 | 20,036,000 |
| Noninterest income | 772,000 | 1,557,000 | 2,382,000 | 3,264,000 |
| Noninterest expense | 3,262,000 | 6,716,000 | 10,163,000 | 14,041,000 |
| Provision for loan losses | 375,000 | 2,415,000 | 3,315,000 | 4,375,000 |
| Pretax income | 2,154,000 | 2,816,000 | 4,753,000 | 5,657,000 |
| Income tax | 737,000 | 593,000 | 1,238,000 | 1,415,000 |
| Net income | 1,417,000 | 2,223,000 | 3,515,000 | 4,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,015,000 | 49,690,000 | 50,990,000 | 50,326,000 |
| Total capital | 53,665,000 | 54,691,000 | 55,605,000 | 55,444,000 |
| Risk-weighted assets | 395,716,000 | 399,942,000 | 368,777,000 | 409,300,000 |