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 | 101,725,000 | 102,357,000 | 104,221,000 | 105,653,000 |
| Total loans | 57,788,000 | 57,766,000 | 56,741,000 | 56,295,000 |
| Allowance for loan losses | 93,000 | 93,000 | 88,000 | 88,000 |
| Securities available for sale | 19,405,000 | 17,265,000 | 25,632,000 | 25,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,862,000 | 89,137,000 | 91,187,000 | 93,708,000 |
| Interest-bearing deposits | 73,265,000 | 75,036,000 | 77,073,000 | 77,682,000 |
| Noninterest-bearing deposits | 15,597,000 | 14,101,000 | 14,114,000 | 16,026,000 |
| Equity capital | 10,131,000 | 10,673,000 | 11,093,000 | 10,559,000 |
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 | 1,015,000 | 2,042,000 | 3,061,000 | 4,060,000 |
| Interest expense | 253,000 | 501,000 | 744,000 | 980,000 |
| Net interest income | 762,000 | 1,541,000 | 2,317,000 | 3,080,000 |
| Noninterest income | 85,000 | 169,000 | 272,000 | 364,000 |
| Noninterest expense | 490,000 | 1,003,000 | 1,520,000 | 2,192,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 357,000 | 707,000 | 1,069,000 | 1,252,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 357,000 | 707,000 | 1,069,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,249,000 | 10,368,000 | 10,406,000 | 10,269,000 |
| Total capital | 10,342,000 | 10,461,000 | 10,494,000 | 10,357,000 |
| Risk-weighted assets | 66,691,000 | 66,646,000 | 67,896,000 | 68,176,000 |