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 | 287,262,000 | 285,785,000 | 283,654,000 | 294,545,000 |
| Total loans | 217,940,000 | 216,566,000 | 214,823,000 | 214,089,000 |
| Allowance for loan losses | 3,288,000 | 3,585,000 | 3,395,000 | 3,795,000 |
| Securities available for sale | 9,824,000 | 9,476,000 | 8,303,000 | 6,528,000 |
| Securities held to maturity | 15,726,000 | 15,202,000 | 8,172,000 | 16,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,818,000 | 230,265,000 | 232,066,000 | 244,008,000 |
| Interest-bearing deposits | 207,139,000 | 202,503,000 | 208,801,000 | 221,109,000 |
| Noninterest-bearing deposits | 24,679,000 | 27,762,000 | 23,265,000 | 22,899,000 |
| Equity capital | 28,552,000 | 28,353,000 | 28,475,000 | 27,800,000 |
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 | 3,631,000 | 7,089,000 | 10,392,000 | 13,800,000 |
| Interest expense | 1,736,000 | 3,426,000 | 5,008,000 | 6,490,000 |
| Net interest income | 1,895,000 | 3,663,000 | 5,384,000 | 7,310,000 |
| Noninterest income | 301,000 | 605,000 | 957,000 | 1,404,000 |
| Noninterest expense | 1,523,000 | 3,096,000 | 4,711,000 | 6,585,000 |
| Provision for loan losses | 135,000 | 535,000 | 835,000 | 1,985,000 |
| Pretax income | 538,000 | 637,000 | 795,000 | 144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 538,000 | 637,000 | 795,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,264,000 | 28,374,000 | 28,438,000 | 27,815,000 |
| Total capital | 31,179,000 | 31,303,000 | 31,332,000 | 30,515,000 |
| Risk-weighted assets | 232,811,000 | 233,633,000 | 230,992,000 | 214,866,000 |
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