Call reports 2008
CITIZENS BANK — 2008
What CITIZENS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 22,628,000 | 21,904,000 | 21,218,000 | 21,117,000 |
| Total loans | 8,624,000 | 8,612,000 | 8,897,000 | 8,872,000 |
| Allowance for loan losses | 118,000 | 120,000 | 139,000 | 22,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,382,000 | 7,890,000 | 6,481,000 | 5,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,431,000 | 17,683,000 | 16,950,000 | 16,852,000 |
| Interest-bearing deposits | 12,578,000 | 11,752,000 | 11,341,000 | 11,315,000 |
| Noninterest-bearing deposits | 5,853,000 | 5,931,000 | 5,609,000 | 5,537,000 |
| Equity capital | 4,112,000 | 4,148,000 | 4,173,000 | 4,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 349,000 | 672,000 | 1,007,000 | 1,313,000 |
| Interest expense | 58,000 | 110,000 | 160,000 | 207,000 |
| Net interest income | 291,000 | 562,000 | 847,000 | 1,106,000 |
| Noninterest income | 53,000 | 102,000 | 158,000 | 205,000 |
| Noninterest expense | 223,000 | 440,000 | 694,000 | 967,000 |
| Provision for loan losses | 1,000 | 21,000 | 40,000 | 60,000 |
| Pretax income | 120,000 | 203,000 | 271,000 | 284,000 |
| Income tax | 42,000 | 84,000 | 126,000 | 108,000 |
| Net income | 78,000 | 119,000 | 145,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,112,000 | 4,148,000 | 4,173,000 | 4,199,000 |
| Total capital | 4,230,000 | 4,268,000 | 4,290,000 | 4,221,000 |
| Risk-weighted assets | 9,663,000 | 9,466,000 | 9,299,000 | 9,158,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.