Call reports 2010
CITIZENS BANK — 2010
What CITIZENS BANK 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 | 169,211,000 | 171,497,000 | 168,610,000 | 170,061,000 |
| Total loans | 143,192,000 | 142,699,000 | 140,240,000 | 137,647,000 |
| Allowance for loan losses | 5,138,000 | 5,194,000 | 5,513,000 | 5,093,000 |
| Securities available for sale | 11,721,000 | 10,207,000 | 9,633,000 | 8,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,613,000 | 148,896,000 | 145,679,000 | 147,553,000 |
| Interest-bearing deposits | 119,765,000 | 118,534,000 | 115,476,000 | 117,118,000 |
| Noninterest-bearing deposits | 26,849,000 | 30,363,000 | 30,203,000 | 30,434,000 |
| Equity capital | 20,380,000 | 20,453,000 | 20,767,000 | 20,545,000 |
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 | 2,134,000 | 4,310,000 | 6,455,000 | 8,527,000 |
| Interest expense | 501,000 | 967,000 | 1,398,000 | 1,786,000 |
| Net interest income | 1,633,000 | 3,343,000 | 5,057,000 | 6,741,000 |
| Noninterest income | 202,000 | 444,000 | 790,000 | 958,000 |
| Noninterest expense | 1,238,000 | 2,481,000 | 3,714,000 | 5,066,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,850,000 |
| Pretax income | 147,000 | 406,000 | 783,000 | 783,000 |
| Income tax | 39,000 | 120,000 | 240,000 | 220,000 |
| Net income | 108,000 | 286,000 | 543,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,270,000 | 20,344,000 | 20,600,000 | 20,517,000 |
| Total capital | 22,179,000 | 22,215,000 | 22,555,000 | 22,590,000 |
| Risk-weighted assets | 149,386,000 | 146,377,000 | 152,803,000 | 162,802,000 |