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 | 125,760,000 | 125,844,000 | 128,571,000 | 129,122,000 |
| Total loans | 104,218,000 | 102,930,000 | 103,400,000 | 105,560,000 |
| Allowance for loan losses | 1,187,000 | 1,363,000 | 1,378,000 | 1,464,000 |
| Securities available for sale | 10,776,000 | 10,985,000 | 11,056,000 | 11,887,000 |
| Securities held to maturity | 202,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,703,000 | 100,570,000 | 102,970,000 | 102,873,000 |
| Interest-bearing deposits | 91,129,000 | 90,504,000 | 93,719,000 | 93,923,000 |
| Noninterest-bearing deposits | 10,574,000 | 10,066,000 | 9,251,000 | 8,950,000 |
| Equity capital | 13,446,000 | 13,577,000 | 13,946,000 | 13,589,000 |
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 | 2,061,000 | 4,067,000 | 6,083,000 | 8,131,000 |
| Interest expense | 678,000 | 1,328,000 | 1,960,000 | 2,568,000 |
| Net interest income | 1,383,000 | 2,739,000 | 4,123,000 | 5,563,000 |
| Noninterest income | 196,000 | 447,000 | 719,000 | 942,000 |
| Noninterest expense | 1,111,000 | 2,267,000 | 3,401,000 | 4,516,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 258,000 | 499,000 | 811,000 | 1,149,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 258,000 | 499,000 | 811,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,530,000 | 13,662,000 | 13,868,000 | 13,606,000 |
| Total capital | 14,717,000 | 14,835,000 | 15,040,000 | 14,797,000 |
| Risk-weighted assets | 94,976,000 | 93,622,000 | 93,531,000 | 95,028,000 |