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 | 495,766,000 | 493,817,000 | 491,800,000 | 497,713,000 |
| Total loans | 270,013,000 | 266,675,000 | 264,424,000 | 263,569,000 |
| Allowance for loan losses | 3,748,000 | 2,599,000 | 2,369,000 | 2,127,000 |
| Securities available for sale | 53,117,000 | 39,683,000 | 34,770,000 | 49,550,000 |
| Securities held to maturity | 135,000,000 | 148,971,000 | 153,920,000 | 152,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,336,000 | 416,078,000 | 411,196,000 | 414,718,000 |
| Interest-bearing deposits | 337,026,000 | 376,254,000 | 371,451,000 | 375,485,000 |
| Noninterest-bearing deposits | 82,310,000 | 39,824,000 | 39,745,000 | 39,233,000 |
| Equity capital | 73,062,000 | 74,937,000 | 78,050,000 | 80,720,000 |
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 | 7,056,000 | 14,048,000 | 20,877,000 | 27,796,000 |
| Interest expense | 2,395,000 | 4,619,000 | 6,681,000 | 8,570,000 |
| Net interest income | 4,661,000 | 9,429,000 | 14,196,000 | 19,226,000 |
| Noninterest income | 808,000 | 1,712,000 | 2,429,000 | 3,208,000 |
| Noninterest expense | 1,786,000 | 3,633,000 | 5,426,000 | 7,644,000 |
| Provision for loan losses | 1,783,000 | 2,870,000 | 2,870,000 | 2,873,000 |
| Pretax income | 1,910,000 | 4,572,000 | 7,367,000 | 10,955,000 |
| Income tax | 291,000 | 737,000 | 1,237,000 | 1,934,000 |
| Net income | 1,619,000 | 3,835,000 | 6,130,000 | 9,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,134,000 | 75,360,000 | 77,666,000 | 80,570,000 |
| Total capital | 76,882,000 | 77,959,000 | 80,035,000 | 82,697,000 |
| Risk-weighted assets | 327,480,000 | 329,035,000 | 327,032,000 | 327,564,000 |