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 | 12,155,475,000 | 11,695,911,000 | 11,476,083,000 | 11,336,105,000 |
| Total loans | 8,717,607,000 | 8,368,443,000 | 8,138,610,000 | 7,849,390,000 |
| Allowance for loan losses | 279,590,000 | 329,943,000 | 335,601,000 | 338,227,000 |
| Securities available for sale | 2,098,616,000 | 2,019,877,000 | 2,067,248,000 | 2,069,781,000 |
| Securities held to maturity | 115,756,000 | 114,249,000 | 114,249,000 | 114,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,944,929,000 | 8,704,380,000 | 8,527,947,000 | 8,627,790,000 |
| Interest-bearing deposits | 7,768,299,000 | 7,485,886,000 | 7,259,127,000 | 7,313,492,000 |
| Noninterest-bearing deposits | 1,176,630,000 | 1,218,494,000 | 1,268,820,000 | 1,314,297,000 |
| Equity capital | 1,103,084,000 | 1,062,525,000 | 1,073,696,000 | 1,000,658,000 |
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 | 146,479,000 | 285,498,000 | 423,482,000 | 556,201,000 |
| Interest expense | 66,629,000 | 126,619,000 | 180,272,000 | 229,634,000 |
| Net interest income | 79,850,000 | 158,879,000 | 243,210,000 | 326,567,000 |
| Noninterest income | 6,556,000 | 18,555,000 | 35,698,000 | 36,502,000 |
| Noninterest expense | 66,877,000 | 169,327,000 | 241,108,000 | 309,554,000 |
| Provision for loan losses | 63,398,000 | 162,308,000 | 239,306,000 | 323,201,000 |
| Pretax income | -43,869,000 | -154,196,000 | -201,501,000 | -269,681,000 |
| Income tax | -3,846,000 | -16,017,000 | -27,075,000 | -26,940,000 |
| Net income | -40,023,000 | -138,179,000 | -174,426,000 | -242,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,016,065,000 | 994,535,000 | 984,177,000 | 917,063,000 |
| Total capital | 1,135,269,000 | 1,109,231,000 | 1,095,167,000 | 1,024,154,000 |
| Risk-weighted assets | 9,371,873,000 | 8,956,523,000 | 8,651,010,000 | 8,333,093,000 |
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