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 | 127,888,000 | 128,948,000 | 130,301,000 | 132,095,000 |
| Total loans | 104,586,000 | 105,044,000 | 106,069,000 | 105,656,000 |
| Allowance for loan losses | 1,639,000 | 1,786,000 | 1,911,000 | 2,043,000 |
| Securities available for sale | 10,889,000 | 13,375,000 | 8,849,000 | 15,280,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,484,000 | 103,363,000 | 104,417,000 | 107,233,000 |
| Interest-bearing deposits | 92,041,000 | 92,333,000 | 93,998,000 | 96,537,000 |
| Noninterest-bearing deposits | 10,443,000 | 11,030,000 | 10,419,000 | 10,696,000 |
| Equity capital | 13,851,000 | 13,978,000 | 14,145,000 | 13,248,000 |
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 | 2,003,000 | 4,037,000 | 6,059,000 | 8,062,000 |
| Interest expense | 561,000 | 1,105,000 | 1,642,000 | 2,160,000 |
| Net interest income | 1,442,000 | 2,932,000 | 4,417,000 | 5,902,000 |
| Noninterest income | 208,000 | 443,000 | 658,000 | 843,000 |
| Noninterest expense | 1,155,000 | 2,308,000 | 3,454,000 | 4,497,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 285,000 | 647,000 | 991,000 | 1,408,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 285,000 | 647,000 | 991,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,758,000 | 13,814,000 | 13,979,000 | 13,556,000 |
| Total capital | 14,944,000 | 14,999,000 | 15,163,000 | 14,743,000 |
| Risk-weighted assets | 94,400,000 | 94,231,000 | 93,957,000 | 94,092,000 |
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