Call reports 2009
CITIZENS BANK — 2009
What CITIZENS BANK 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 | 176,880,000 | 175,071,000 | 178,882,000 | 170,274,000 |
| Total loans | 144,077,000 | 146,881,000 | 147,323,000 | 143,385,000 |
| Allowance for loan losses | 3,490,000 | 3,675,000 | 4,647,000 | 4,979,000 |
| Securities available for sale | 15,650,000 | 14,612,000 | 13,706,000 | 12,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,305,000 | 139,121,000 | 151,602,000 | 143,365,000 |
| Interest-bearing deposits | 119,767,000 | 116,794,000 | 117,121,000 | 116,661,000 |
| Noninterest-bearing deposits | 21,538,000 | 22,327,000 | 34,481,000 | 26,704,000 |
| Equity capital | 20,556,000 | 20,609,000 | 20,354,000 | 20,271,000 |
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 | 2,329,000 | 4,642,000 | 6,959,000 | 9,270,000 |
| Interest expense | 705,000 | 1,410,000 | 2,093,000 | 2,666,000 |
| Net interest income | 1,624,000 | 3,232,000 | 4,866,000 | 6,604,000 |
| Noninterest income | 333,000 | 638,000 | 894,000 | 1,164,000 |
| Noninterest expense | 1,251,000 | 2,556,000 | 3,779,000 | 5,110,000 |
| Provision for loan losses | 180,000 | 450,000 | 1,596,000 | 2,141,000 |
| Pretax income | 526,000 | 864,000 | 385,000 | 517,000 |
| Income tax | 172,000 | 278,000 | 108,000 | 139,000 |
| Net income | 354,000 | 586,000 | 277,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,400,000 | 20,501,000 | 20,192,000 | 20,162,000 |
| Total capital | 22,369,000 | 22,575,000 | 22,248,000 | 22,076,000 |
| Risk-weighted assets | 156,029,000 | 164,343,000 | 161,870,000 | 150,016,000 |