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 | 90,840,000 | 90,105,000 | 90,050,000 | 88,457,000 |
| Total loans | 53,606,000 | 55,242,000 | 52,165,000 | 49,051,000 |
| Allowance for loan losses | 1,804,000 | 707,000 | 730,000 | 996,000 |
| Securities available for sale | 15,296,000 | 12,532,000 | 13,924,000 | 12,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,869,000 | 78,709,000 | 78,118,000 | 77,714,000 |
| Interest-bearing deposits | 48,973,000 | 50,383,000 | 50,914,000 | 44,428,000 |
| Noninterest-bearing deposits | 29,896,000 | 28,326,000 | 27,204,000 | 33,285,000 |
| Equity capital | 11,621,000 | 11,036,000 | 11,603,000 | 10,491,000 |
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 | 715,000 | 1,444,000 | 2,211,000 | 2,917,000 |
| Interest expense | 128,000 | 248,000 | 355,000 | 462,000 |
| Net interest income | 587,000 | 1,196,000 | 1,856,000 | 2,455,000 |
| Noninterest income | 261,000 | 685,000 | 1,383,000 | 1,693,000 |
| Noninterest expense | 824,000 | 1,625,000 | 2,505,000 | 4,898,000 |
| Provision for loan losses | 23,000 | 734,000 | 757,000 | 1,034,000 |
| Pretax income | 1,000 | -478,000 | -23,000 | -2,300,000 |
| Income tax | -25,000 | -279,000 | -126,000 | -1,043,000 |
| Net income | 26,000 | -199,000 | 103,000 | -1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,206,000 | 10,203,000 | 10,593,000 | 8,486,000 |
| Total capital | 11,950,000 | 10,910,000 | 11,304,000 | 9,163,000 |
| Risk-weighted assets | 58,454,000 | 58,687,000 | 56,829,000 | 53,696,000 |
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