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 | 501,513,000 | 503,756,000 | 507,434,000 | 505,806,000 |
| Total loans | 262,128,000 | 258,516,000 | 258,630,000 | 255,967,000 |
| Allowance for loan losses | 2,116,000 | 2,684,000 | 3,191,000 | 2,910,000 |
| Securities available for sale | 46,176,000 | 45,298,000 | 34,203,000 | 26,866,000 |
| Securities held to maturity | 146,474,000 | 149,038,000 | 167,948,000 | 192,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,812,000 | 422,133,000 | 422,044,000 | 419,028,000 |
| Interest-bearing deposits | 383,302,000 | 381,435,000 | 382,819,000 | 381,573,000 |
| Noninterest-bearing deposits | 38,510,000 | 40,698,000 | 39,225,000 | 37,455,000 |
| Equity capital | 77,293,000 | 79,593,000 | 82,302,000 | 84,979,000 |
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 | 6,625,000 | 13,269,000 | 19,899,000 | 26,462,000 |
| Interest expense | 1,690,000 | 3,280,000 | 4,779,000 | 6,143,000 |
| Net interest income | 4,935,000 | 9,989,000 | 15,120,000 | 20,319,000 |
| Noninterest income | 849,000 | 1,529,000 | 2,245,000 | 3,077,000 |
| Noninterest expense | 1,821,000 | 3,532,000 | 5,215,000 | 7,612,000 |
| Provision for loan losses | 395,000 | 1,450,000 | 2,100,000 | 2,185,000 |
| Pretax income | 3,568,000 | 6,536,000 | 10,050,000 | 13,599,000 |
| Income tax | 617,000 | 1,361,000 | 2,112,000 | 2,776,000 |
| Net income | 2,951,000 | 5,175,000 | 7,938,000 | 10,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,925,000 | 79,160,000 | 81,935,000 | 84,832,000 |
| Total capital | 79,041,000 | 81,844,000 | 85,126,000 | 87,742,000 |
| Risk-weighted assets | 325,245,000 | 323,939,000 | 330,707,000 | 336,238,000 |