Call reports 2010
CITIZENS BANK, THE — 2010
What CITIZENS BANK, THE 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 | 319,018,000 | 319,800,000 | 313,678,000 | 316,052,000 |
| Total loans | 209,343,000 | 214,581,000 | 214,238,000 | 208,438,000 |
| Allowance for loan losses | 3,923,000 | 3,774,000 | 3,931,000 | 3,872,000 |
| Securities available for sale | 32,156,000 | 32,228,000 | 29,680,000 | 36,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,853,000 | 276,914,000 | 270,376,000 | 273,531,000 |
| Interest-bearing deposits | 231,769,000 | 233,874,000 | 227,863,000 | 229,431,000 |
| Noninterest-bearing deposits | 43,084,000 | 43,040,000 | 42,513,000 | 44,100,000 |
| Equity capital | 31,156,000 | 31,806,000 | 31,941,000 | 31,340,000 |
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 | 4,031,000 | 8,156,000 | 12,209,000 | 16,070,000 |
| Interest expense | 967,000 | 1,799,000 | 2,606,000 | 3,342,000 |
| Net interest income | 3,064,000 | 6,357,000 | 9,603,000 | 12,728,000 |
| Noninterest income | 662,000 | 1,347,000 | 2,130,000 | 2,869,000 |
| Noninterest expense | 2,565,000 | 5,467,000 | 8,465,000 | 11,290,000 |
| Provision for loan losses | 225,000 | 500,000 | 825,000 | 1,175,000 |
| Pretax income | 936,000 | 1,737,000 | 2,443,000 | 3,132,000 |
| Income tax | 325,000 | 608,000 | 854,000 | 1,097,000 |
| Net income | 611,000 | 1,129,000 | 1,589,000 | 2,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,092,000 | 28,632,000 | 28,864,000 | 28,832,000 |
| Total capital | 30,717,000 | 31,267,000 | 31,534,000 | 31,444,000 |
| Risk-weighted assets | 208,683,000 | 209,639,000 | 212,305,000 | 207,703,000 |
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