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 | 602,754,000 | 600,946,000 | 625,019,000 | 636,423,000 |
| Total loans | 462,540,000 | 451,421,000 | 469,150,000 | 471,734,000 |
| Allowance for loan losses | 5,774,000 | 7,101,000 | 6,412,000 | 5,437,000 |
| Securities available for sale | 40,582,000 | 49,144,000 | 55,354,000 | 57,066,000 |
| Securities held to maturity | 51,789,000 | 47,423,000 | 44,738,000 | 47,841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,270,000 | 531,501,000 | 553,314,000 | 564,930,000 |
| Interest-bearing deposits | 477,760,000 | 476,630,000 | 496,155,000 | 498,666,000 |
| Noninterest-bearing deposits | 55,510,000 | 54,871,000 | 57,159,000 | 66,264,000 |
| Equity capital | 67,081,000 | 67,479,000 | 69,419,000 | 70,842,000 |
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 | 7,706,000 | 15,318,000 | 22,881,000 | 30,318,000 |
| Interest expense | 2,896,000 | 5,729,000 | 8,405,000 | 10,760,000 |
| Net interest income | 4,810,000 | 9,589,000 | 14,476,000 | 19,558,000 |
| Noninterest income | 1,719,000 | 4,105,000 | 5,797,000 | 7,162,000 |
| Noninterest expense | 3,664,000 | 7,493,000 | 11,057,000 | 14,731,000 |
| Provision for loan losses | 600,000 | 2,000,000 | 2,900,000 | 4,600,000 |
| Pretax income | 2,265,000 | 4,201,000 | 6,316,000 | 7,389,000 |
| Income tax | 697,000 | 1,236,000 | 1,810,000 | 2,077,000 |
| Net income | 1,568,000 | 2,965,000 | 4,506,000 | 5,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,654,000 | 68,802,000 | 70,157,000 | 70,965,000 |
| Total capital | 73,213,000 | 74,365,000 | 75,842,000 | 76,402,000 |
| Risk-weighted assets | 444,525,000 | 443,474,000 | 454,054,000 | 454,323,000 |
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