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 | 287,656,000 | 282,490,000 | 286,154,000 | 289,363,000 |
| Total loans | 208,846,000 | 209,739,000 | 208,600,000 | 210,532,000 |
| Allowance for loan losses | 3,659,000 | 3,752,000 | 4,339,000 | 4,093,000 |
| Securities available for sale | 4,972,000 | 4,940,000 | 4,050,000 | 3,162,000 |
| Securities held to maturity | 14,504,000 | 13,482,000 | 12,389,000 | 20,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,188,000 | 239,863,000 | 243,664,000 | 246,884,000 |
| Interest-bearing deposits | 155,059,000 | 216,279,000 | 219,992,000 | 221,908,000 |
| Noninterest-bearing deposits | 90,129,000 | 23,584,000 | 23,672,000 | 24,976,000 |
| Equity capital | 27,785,000 | 27,811,000 | 27,830,000 | 27,862,000 |
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 | 3,313,000 | 6,573,000 | 9,914,000 | 13,164,000 |
| Interest expense | 1,278,000 | 2,463,000 | 3,610,000 | 4,726,000 |
| Net interest income | 2,035,000 | 4,110,000 | 6,304,000 | 8,438,000 |
| Noninterest income | 173,000 | 496,000 | 779,000 | 1,121,000 |
| Noninterest expense | 1,630,000 | 3,117,000 | 4,653,000 | 6,363,000 |
| Provision for loan losses | 525,000 | 1,400,000 | 2,305,000 | 3,175,000 |
| Pretax income | 62,000 | 90,000 | 121,000 | 17,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 90,000 | 121,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,839,000 | 27,891,000 | 27,946,000 | 27,823,000 |
| Total capital | 30,471,000 | 30,511,000 | 30,549,000 | 30,418,000 |
| Risk-weighted assets | 209,556,000 | 208,444,000 | 206,533,000 | 206,128,000 |
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