Call reports 2009
CITIZENS BANK, THE — 2009
What CITIZENS BANK, THE 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 | 317,556,000 | 308,629,000 | 316,492,000 | 313,145,000 |
| Total loans | 218,308,000 | 221,216,000 | 216,609,000 | 209,918,000 |
| Allowance for loan losses | 3,955,000 | 3,945,000 | 3,957,000 | 3,871,000 |
| Securities available for sale | 44,136,000 | 37,985,000 | 37,319,000 | 30,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,980,000 | 259,602,000 | 266,710,000 | 264,568,000 |
| Interest-bearing deposits | 229,508,000 | 219,369,000 | 227,535,000 | 223,500,000 |
| Noninterest-bearing deposits | 39,472,000 | 40,233,000 | 39,175,000 | 41,068,000 |
| Equity capital | 30,054,000 | 30,458,000 | 31,080,000 | 30,518,000 |
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 | 4,521,000 | 8,987,000 | 13,342,000 | 17,535,000 |
| Interest expense | 1,431,000 | 2,742,000 | 3,961,000 | 5,083,000 |
| Net interest income | 3,090,000 | 6,245,000 | 9,381,000 | 12,452,000 |
| Noninterest income | 625,000 | 1,299,000 | 2,030,000 | 2,689,000 |
| Noninterest expense | 2,588,000 | 5,511,000 | 8,180,000 | 10,947,000 |
| Provision for loan losses | 200,000 | 375,000 | 600,000 | 1,100,000 |
| Pretax income | 931,000 | 1,664,000 | 2,637,000 | 3,100,000 |
| Income tax | 326,000 | 581,000 | 927,000 | 1,085,000 |
| Net income | 605,000 | 1,083,000 | 1,710,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,985,000 | 27,485,000 | 27,884,000 | 27,461,000 |
| Total capital | 29,741,000 | 30,237,000 | 30,576,000 | 30,096,000 |
| Risk-weighted assets | 219,282,000 | 218,992,000 | 214,122,000 | 209,590,000 |
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