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 | 166,400,000 | 167,079,000 | 167,964,000 | 169,544,000 |
| Total loans | 54,119,000 | 54,282,000 | 52,720,000 | 51,908,000 |
| Allowance for loan losses | 1,146,000 | 1,228,000 | 1,233,000 | 1,315,000 |
| Securities available for sale | 7,283,000 | 6,354,000 | 5,547,000 | 4,232,000 |
| Securities held to maturity | 93,373,000 | 91,899,000 | 92,122,000 | 101,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,292,000 | 140,594,000 | 141,287,000 | 142,589,000 |
| Interest-bearing deposits | 132,057,000 | 132,971,000 | 132,800,000 | 133,733,000 |
| Noninterest-bearing deposits | 8,235,000 | 7,623,000 | 8,487,000 | 8,856,000 |
| Equity capital | 25,522,000 | 25,727,000 | 26,278,000 | 26,273,000 |
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 | 2,198,000 | 4,403,000 | 6,434,000 | 8,399,000 |
| Interest expense | 884,000 | 1,730,000 | 2,510,000 | 3,223,000 |
| Net interest income | 1,314,000 | 2,673,000 | 3,924,000 | 5,176,000 |
| Noninterest income | 143,000 | 284,000 | 451,000 | 593,000 |
| Noninterest expense | 472,000 | 1,030,000 | 1,611,000 | 2,364,000 |
| Provision for loan losses | 70,000 | 205,000 | 485,000 | 675,000 |
| Pretax income | 882,000 | 1,587,000 | 2,126,000 | 2,558,000 |
| Income tax | 220,000 | 470,000 | 585,000 | 578,000 |
| Net income | 662,000 | 1,117,000 | 1,541,000 | 1,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,518,000 | 25,618,000 | 26,042,000 | 26,214,000 |
| Total capital | 26,383,000 | 26,486,000 | 26,884,000 | 27,055,000 |
| Risk-weighted assets | 68,911,000 | 69,102,000 | 66,930,000 | 66,832,000 |