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 | 22,077,000 | 23,532,000 | 23,451,000 | 24,054,000 |
| Total loans | 8,918,000 | 9,262,000 | 9,428,000 | 9,672,000 |
| Allowance for loan losses | 26,000 | 34,000 | 118,000 | 126,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,707,000 | 5,158,000 | 4,972,000 | 3,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,803,000 | 19,241,000 | 19,237,000 | 19,762,000 |
| Interest-bearing deposits | 12,052,000 | 13,305,000 | 13,040,000 | 12,763,000 |
| Noninterest-bearing deposits | 5,751,000 | 5,936,000 | 6,197,000 | 6,999,000 |
| Equity capital | 4,237,000 | 4,248,000 | 4,166,000 | 4,234,000 |
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 | 317,000 | 587,000 | 858,000 | 1,146,000 |
| Interest expense | 43,000 | 90,000 | 135,000 | 175,000 |
| Net interest income | 274,000 | 497,000 | 723,000 | 971,000 |
| Noninterest income | 43,000 | 92,000 | 143,000 | 199,000 |
| Noninterest expense | 243,000 | 468,000 | 700,000 | 949,000 |
| Provision for loan losses | 9,000 | 18,000 | 116,000 | 125,000 |
| Pretax income | 65,000 | 103,000 | 50,000 | 96,000 |
| Income tax | 27,000 | 54,000 | 54,000 | 31,000 |
| Net income | 38,000 | 49,000 | -4,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,237,000 | 4,248,000 | 4,166,000 | 4,234,000 |
| Total capital | 4,263,000 | 4,282,000 | 4,284,000 | 4,360,000 |
| Risk-weighted assets | 9,347,000 | 9,645,000 | 9,875,000 | 10,358,000 |
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