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 | 48,702,000 | 47,389,000 | 46,792,000 | 46,673,000 |
| Total loans | 26,267,000 | 25,228,000 | 24,426,000 | 23,278,000 |
| Allowance for loan losses | 1,918,000 | 1,780,000 | 1,611,000 | 1,512,000 |
| Securities available for sale | 19,911,000 | 18,423,000 | 17,547,000 | 16,608,000 |
| Securities held to maturity | 490,000 | 490,000 | 490,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,583,000 | 40,886,000 | 40,326,000 | 40,388,000 |
| Interest-bearing deposits | 32,639,000 | 35,911,000 | 35,505,000 | 36,446,000 |
| Noninterest-bearing deposits | 7,944,000 | 4,975,000 | 4,821,000 | 3,942,000 |
| Equity capital | 6,193,000 | 6,172,000 | 6,144,000 | 5,987,000 |
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 | 739,000 | 1,431,000 | 1,961,000 | 2,599,000 |
| Interest expense | 253,000 | 475,000 | 691,000 | 896,000 |
| Net interest income | 486,000 | 956,000 | 1,270,000 | 1,703,000 |
| Noninterest income | 57,000 | 108,000 | 181,000 | 265,000 |
| Noninterest expense | 568,000 | 1,071,000 | 1,483,000 | 2,001,000 |
| Provision for loan losses | 295,000 | 300,000 | 342,000 | 532,000 |
| Pretax income | -320,000 | -307,000 | -374,000 | -551,000 |
| Income tax | -105,000 | -105,000 | -105,000 | -214,000 |
| Net income | -215,000 | -202,000 | -269,000 | -337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,910,000 | 5,924,000 | 5,857,000 | 5,677,000 |
| Total capital | 6,276,000 | 6,278,000 | 6,204,000 | 6,003,000 |
| Risk-weighted assets | 27,753,000 | 26,923,000 | 26,524,000 | 24,931,000 |
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