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 | 633,073,000 | 626,848,000 | 626,981,000 | 641,505,000 |
| Total loans | 438,612,000 | 434,155,000 | 440,396,000 | 429,417,000 |
| Allowance for loan losses | 13,600,000 | 12,893,000 | 10,271,000 | 8,377,000 |
| Securities available for sale | 59,184,000 | 64,491,000 | 66,192,000 | 66,949,000 |
| Securities held to maturity | 39,852,000 | 36,441,000 | 34,578,000 | 38,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,970,000 | 558,086,000 | 556,899,000 | 570,912,000 |
| Interest-bearing deposits | 505,941,000 | 495,844,000 | 493,498,000 | 506,319,000 |
| Noninterest-bearing deposits | 59,029,000 | 62,242,000 | 63,401,000 | 64,593,000 |
| Equity capital | 67,354,000 | 67,347,000 | 68,294,000 | 68,515,000 |
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 | 7,068,000 | 14,087,000 | 21,174,000 | 28,106,000 |
| Interest expense | 1,943,000 | 3,782,000 | 5,437,000 | 6,955,000 |
| Net interest income | 5,125,000 | 10,305,000 | 15,737,000 | 21,151,000 |
| Noninterest income | 1,183,000 | 2,133,000 | 3,994,000 | 5,929,000 |
| Noninterest expense | 3,834,000 | 7,705,000 | 12,082,000 | 16,312,000 |
| Provision for loan losses | 8,207,000 | 11,007,000 | 13,007,000 | 14,807,000 |
| Pretax income | -5,733,000 | -6,274,000 | -5,358,000 | -4,039,000 |
| Income tax | -2,434,000 | -2,829,000 | -2,622,000 | -2,118,000 |
| Net income | -3,299,000 | -3,445,000 | -2,736,000 | -1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,470,000 | 67,326,000 | 68,039,000 | 68,856,000 |
| Total capital | 73,104,000 | 72,888,000 | 73,544,000 | 74,225,000 |
| Risk-weighted assets | 442,726,000 | 437,588,000 | 435,585,000 | 427,880,000 |
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