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 | 155,759,000 | 157,083,000 | 159,551,000 | 161,360,000 |
| Total loans | 53,238,000 | 54,268,000 | 55,343,000 | 55,332,000 |
| Allowance for loan losses | 848,000 | 855,000 | 863,000 | 1,103,000 |
| Securities available for sale | 6,077,000 | 7,198,000 | 6,766,000 | 4,143,000 |
| Securities held to maturity | 86,205,000 | 86,281,000 | 89,535,000 | 94,583,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,246,000 | 132,154,000 | 134,322,000 | 135,765,000 |
| Interest-bearing deposits | 121,285,000 | 123,132,000 | 125,442,000 | 126,855,000 |
| Noninterest-bearing deposits | 8,961,000 | 9,022,000 | 8,880,000 | 8,910,000 |
| Equity capital | 24,900,000 | 24,107,000 | 24,767,000 | 24,777,000 |
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 | 2,161,000 | 4,328,000 | 6,531,000 | 8,760,000 |
| Interest expense | 1,137,000 | 2,239,000 | 3,288,000 | 4,255,000 |
| Net interest income | 1,024,000 | 2,089,000 | 3,243,000 | 4,505,000 |
| Noninterest income | 142,000 | 290,000 | 469,000 | 719,000 |
| Noninterest expense | 403,000 | 948,000 | 1,372,000 | 2,049,000 |
| Provision for loan losses | 40,000 | 80,000 | 160,000 | 450,000 |
| Pretax income | 616,000 | 1,174,000 | 1,971,000 | 2,478,000 |
| Income tax | 105,000 | 220,000 | 415,000 | 595,000 |
| Net income | 511,000 | 954,000 | 1,556,000 | 1,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,992,000 | 24,193,000 | 24,795,000 | 24,856,000 |
| Total capital | 25,832,000 | 25,045,000 | 25,657,000 | 25,725,000 |
| Risk-weighted assets | 67,225,000 | 68,172,000 | 68,958,000 | 69,260,000 |
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