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 | 463,401,000 | 404,958,000 | 408,362,000 | 403,519,000 |
| Total loans | 305,764,000 | 304,263,000 | 308,167,000 | 311,989,000 |
| Allowance for loan losses | 3,145,000 | 3,442,000 | 3,481,000 | 3,930,000 |
| Securities available for sale | 33,653,000 | 19,048,000 | 20,211,000 | 16,600,000 |
| Securities held to maturity | 2,715,000 | 1,739,000 | 1,739,000 | 1,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,239,000 | 321,945,000 | 322,496,000 | 319,823,000 |
| Interest-bearing deposits | 343,143,000 | 293,633,000 | 293,415,000 | 285,860,000 |
| Noninterest-bearing deposits | 37,096,000 | 28,312,000 | 29,081,000 | 33,963,000 |
| Equity capital | 50,198,000 | 51,258,000 | 52,554,000 | 50,278,000 |
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 | 5,573,000 | 11,165,000 | 16,545,000 | 21,696,000 |
| Interest expense | 720,000 | 1,282,000 | 1,713,000 | 2,052,000 |
| Net interest income | 4,853,000 | 9,883,000 | 14,832,000 | 19,644,000 |
| Noninterest income | 578,000 | 1,235,000 | 1,856,000 | 2,458,000 |
| Noninterest expense | 3,273,000 | 6,840,000 | 10,166,000 | 13,643,000 |
| Provision for loan losses | 175,000 | 475,000 | 675,000 | 2,775,000 |
| Pretax income | 1,983,000 | 3,803,000 | 5,847,000 | 5,684,000 |
| Income tax | 699,000 | 1,339,000 | 2,108,000 | 1,930,000 |
| Net income | 1,284,000 | 2,464,000 | 3,739,000 | 3,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,008,000 | 51,118,000 | 52,433,000 | 50,197,000 |
| Total capital | 53,322,000 | 54,729,000 | 56,083,000 | 54,296,000 |
| Risk-weighted assets | 344,744,000 | 343,834,000 | 344,513,000 | 350,191,000 |
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