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 | 407,110,000 | 411,792,000 | 416,886,000 | 419,083,000 |
| Total loans | 312,021,000 | 314,955,000 | 311,912,000 | 309,069,000 |
| Allowance for loan losses | 4,486,000 | 3,677,000 | 4,532,000 | 3,687,000 |
| Securities available for sale | 19,866,000 | 26,053,000 | 35,036,000 | 40,757,000 |
| Securities held to maturity | 1,739,000 | 1,364,000 | 1,219,000 | 1,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,225,000 | 330,387,000 | 329,842,000 | 336,038,000 |
| Interest-bearing deposits | 293,442,000 | 300,227,000 | 300,690,000 | 300,255,000 |
| Noninterest-bearing deposits | 30,783,000 | 30,160,000 | 29,152,000 | 35,783,000 |
| Equity capital | 51,407,000 | 52,762,000 | 53,660,000 | 52,804,000 |
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 | 5,145,000 | 10,417,000 | 15,659,000 | 20,733,000 |
| Interest expense | 291,000 | 583,000 | 870,000 | 1,133,000 |
| Net interest income | 4,854,000 | 9,834,000 | 14,789,000 | 19,600,000 |
| Noninterest income | 587,000 | 1,244,000 | 1,853,000 | 2,445,000 |
| Noninterest expense | 3,547,000 | 6,839,000 | 10,191,000 | 13,786,000 |
| Provision for loan losses | 600,000 | 850,000 | 1,700,000 | 2,000,000 |
| Pretax income | 1,294,000 | 3,389,000 | 4,751,000 | 6,259,000 |
| Income tax | 439,000 | 1,196,000 | 1,667,000 | 2,195,000 |
| Net income | 855,000 | 2,193,000 | 3,084,000 | 4,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,334,000 | 52,689,000 | 53,584,000 | 52,786,000 |
| Total capital | 55,594,000 | 56,535,000 | 57,991,000 | 56,642,000 |
| Risk-weighted assets | 340,366,000 | 354,582,000 | 352,242,000 | 353,969,000 |
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