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 | 90,826,000 | 93,246,000 | 94,237,000 | 95,342,000 |
| Total loans | 53,391,000 | 54,729,000 | 54,156,000 | 54,493,000 |
| Allowance for loan losses | 96,000 | 96,000 | 96,000 | 94,000 |
| Securities available for sale | 6,383,000 | 7,371,000 | 4,695,000 | 19,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,375,000 | 82,570,000 | 83,615,000 | 85,266,000 |
| Interest-bearing deposits | 66,199,000 | 67,619,000 | 70,783,000 | 72,580,000 |
| Noninterest-bearing deposits | 14,176,000 | 14,951,000 | 12,832,000 | 12,686,000 |
| Equity capital | 10,261,000 | 10,356,000 | 10,212,000 | 10,003,000 |
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 | 1,042,000 | 2,103,000 | 3,145,000 | 4,108,000 |
| Interest expense | 306,000 | 588,000 | 851,000 | 1,111,000 |
| Net interest income | 736,000 | 1,515,000 | 2,294,000 | 2,997,000 |
| Noninterest income | 77,000 | 155,000 | 233,000 | 316,000 |
| Noninterest expense | 475,000 | 1,023,000 | 1,517,000 | 2,175,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 338,000 | 647,000 | 1,010,000 | 1,138,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 647,000 | 1,010,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,199,000 | 10,310,000 | 10,134,000 | 10,237,000 |
| Total capital | 10,295,000 | 10,406,000 | 10,230,000 | 10,331,000 |
| Risk-weighted assets | 60,701,000 | 62,583,000 | 62,437,000 | 63,029,000 |