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 | 22,961,000 | 22,997,000 | 22,529,000 | 22,996,000 |
| Total loans | 9,826,000 | 10,349,000 | 10,454,000 | 10,745,000 |
| Allowance for loan losses | 119,000 | 126,000 | 160,000 | 170,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,155,000 | 3,755,000 | 4,501,000 | 4,689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,616,000 | 18,544,000 | 18,059,000 | 18,487,000 |
| Interest-bearing deposits | 12,544,000 | 12,125,000 | 6,167,000 | 12,143,000 |
| Noninterest-bearing deposits | 6,072,000 | 6,419,000 | 11,892,000 | 6,344,000 |
| Equity capital | 4,294,000 | 4,369,000 | 4,352,000 | 4,383,000 |
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 | 291,000 | 584,000 | 863,000 | 1,148,000 |
| Interest expense | 29,000 | 54,000 | 78,000 | 100,000 |
| Net interest income | 262,000 | 530,000 | 785,000 | 1,048,000 |
| Noninterest income | 47,000 | 94,000 | 148,000 | 201,000 |
| Noninterest expense | 220,000 | 430,000 | 667,000 | 915,000 |
| Provision for loan losses | 9,000 | 18,000 | 86,000 | 95,000 |
| Pretax income | 80,000 | 176,000 | 180,000 | 239,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 89,000 |
| Net income | 59,000 | 134,000 | 117,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,294,000 | 4,369,000 | 4,352,000 | 4,383,000 |
| Total capital | 4,413,000 | 4,495,000 | 4,481,000 | 4,514,000 |
| Risk-weighted assets | 10,110,000 | 10,321,000 | 10,261,000 | 10,433,000 |
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