Call reports 2010
CITIZENS BANK, THE — 2010
What CITIZENS BANK, THE 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 | 532,300,000 | 538,477,000 | 534,923,000 | 535,228,000 |
| Total loans | 352,957,000 | 352,301,000 | 348,856,000 | 344,784,000 |
| Allowance for loan losses | 5,893,000 | 6,548,000 | 6,262,000 | 6,217,000 |
| Securities available for sale | 137,789,000 | 152,670,000 | 146,917,000 | 159,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,940,000 | 429,384,000 | 421,116,000 | 432,584,000 |
| Interest-bearing deposits | 390,232,000 | 389,787,000 | 383,821,000 | 394,491,000 |
| Noninterest-bearing deposits | 40,708,000 | 39,597,000 | 37,295,000 | 38,093,000 |
| Equity capital | 50,075,000 | 51,663,000 | 52,674,000 | 49,443,000 |
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 | 6,847,000 | 13,814,000 | 20,778,000 | 27,776,000 |
| Interest expense | 2,059,000 | 4,116,000 | 6,132,000 | 8,005,000 |
| Net interest income | 4,788,000 | 9,698,000 | 14,646,000 | 19,771,000 |
| Noninterest income | 802,000 | 1,562,000 | 2,315,000 | 3,025,000 |
| Noninterest expense | 3,759,000 | 7,505,000 | 11,242,000 | 14,950,000 |
| Provision for loan losses | 1,387,000 | 3,362,000 | 4,574,000 | 5,349,000 |
| Pretax income | 746,000 | 719,000 | 2,014,000 | -101,000 |
| Income tax | 291,000 | -225,000 | 126,000 | -853,000 |
| Net income | 455,000 | 944,000 | 1,888,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,790,000 | 51,287,000 | 52,101,000 | 49,760,000 |
| Total capital | 56,014,000 | 56,543,000 | 57,166,000 | 54,529,000 |
| Risk-weighted assets | 417,263,000 | 419,196,000 | 404,001,000 | 380,044,000 |