Call reports 2008
CITIZENS' BANK — 2008
What CITIZENS' BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 |
|---|---|
| Total assets | 19,157,000 |
| Total loans | 14,718,000 |
| Allowance for loan losses | 156,000 |
| Securities available for sale | 2,334,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 16,090,000 |
| Interest-bearing deposits | 12,254,000 |
| Noninterest-bearing deposits | 3,835,000 |
| Equity capital | 2,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 |
|---|---|
| Interest income | 342,000 |
| Interest expense | 79,000 |
| Net interest income | 263,000 |
| Noninterest income | 36,000 |
| Noninterest expense | 226,000 |
| Provision for loan losses | 5,000 |
| Pretax income | 68,000 |
| Income tax | 0 |
| Net income | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 |
|---|---|
| Tier 1 capital | 2,954,000 |
| Total capital | 3,110,000 |
| Risk-weighted assets | 15,209,000 |