Call reports 2009
CITIZENS BANK COMPANY, THE — 2009
What CITIZENS BANK COMPANY, 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 | 82,254,000 | 86,251,000 | 86,338,000 | 87,592,000 |
| Total loans | 48,213,000 | 47,844,000 | 48,688,000 | 48,534,000 |
| Allowance for loan losses | 604,000 | 591,000 | 624,000 | 552,000 |
| Securities available for sale | 30,083,000 | 34,350,000 | 33,552,000 | 33,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,070,000 | 71,365,000 | 72,449,000 | 73,056,000 |
| Interest-bearing deposits | 61,312,000 | 63,928,000 | 64,685,000 | 63,785,000 |
| Noninterest-bearing deposits | 7,758,000 | 7,437,000 | 7,764,000 | 9,271,000 |
| Equity capital | 8,755,000 | 9,205,000 | 10,059,000 | 9,610,000 |
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 | 1,191,000 | 2,428,000 | 3,694,000 | 4,925,000 |
| Interest expense | 416,000 | 811,000 | 1,203,000 | 1,572,000 |
| Net interest income | 775,000 | 1,617,000 | 2,491,000 | 3,353,000 |
| Noninterest income | 153,000 | 329,000 | 485,000 | 685,000 |
| Noninterest expense | 668,000 | 1,360,000 | 2,057,000 | 2,664,000 |
| Provision for loan losses | 29,000 | 57,000 | 127,000 | 405,000 |
| Pretax income | 275,000 | 593,000 | 900,000 | 1,091,000 |
| Income tax | 68,000 | 158,000 | 241,000 | 230,000 |
| Net income | 207,000 | 435,000 | 659,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,094,000 | 9,282,000 | 9,466,000 | 9,524,000 |
| Total capital | 9,698,000 | 9,873,000 | 10,090,000 | 10,076,000 |
| Risk-weighted assets | 49,362,000 | 50,256,000 | 50,624,000 | 53,698,000 |
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