Call reports 2010
CITIZENS BANK COMPANY, THE — 2010
What CITIZENS BANK COMPANY, 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 | 86,262,000 | 88,641,000 | 89,364,000 | 89,561,000 |
| Total loans | 47,518,000 | 48,157,000 | 49,343,000 | 50,364,000 |
| Allowance for loan losses | 553,000 | 563,000 | 570,000 | 599,000 |
| Securities available for sale | 31,849,000 | 36,167,000 | 36,139,000 | 34,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,079,000 | 75,326,000 | 75,981,000 | 76,207,000 |
| Interest-bearing deposits | 67,112,000 | 66,916,000 | 67,471,000 | 66,823,000 |
| Noninterest-bearing deposits | 7,967,000 | 8,410,000 | 8,510,000 | 9,384,000 |
| Equity capital | 9,702,000 | 10,040,000 | 10,408,000 | 9,435,000 |
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 | 1,139,000 | 2,228,000 | 3,384,000 | 4,545,000 |
| Interest expense | 347,000 | 684,000 | 988,000 | 1,262,000 |
| Net interest income | 792,000 | 1,544,000 | 2,396,000 | 3,283,000 |
| Noninterest income | 119,000 | 263,000 | 426,000 | 550,000 |
| Noninterest expense | 690,000 | 1,421,000 | 2,150,000 | 2,874,000 |
| Provision for loan losses | 7,000 | 27,000 | 54,000 | 98,000 |
| Pretax income | 209,000 | 411,000 | 684,000 | 980,000 |
| Income tax | 44,000 | 64,000 | 127,000 | 170,000 |
| Net income | 165,000 | 347,000 | 557,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,648,000 | 9,805,000 | 9,910,000 | 10,058,000 |
| Total capital | 10,201,000 | 10,368,000 | 10,480,000 | 10,657,000 |
| Risk-weighted assets | 50,149,000 | 50,040,000 | 51,586,000 | 52,446,000 |
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