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 | 45,162,000 | 41,415,000 | 41,580,000 | 44,110,000 |
| Total loans | 22,050,000 | 20,063,000 | 18,782,000 | 18,590,000 |
| Allowance for loan losses | 1,218,000 | 1,142,000 | 913,000 | 885,000 |
| Securities available for sale | 15,843,000 | 16,028,000 | 15,992,000 | 16,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,946,000 | 35,199,000 | 35,444,000 | 38,523,000 |
| Interest-bearing deposits | 32,297,000 | 31,529,000 | 31,921,000 | 35,419,000 |
| Noninterest-bearing deposits | 6,649,000 | 3,670,000 | 3,523,000 | 3,104,000 |
| Equity capital | 5,964,000 | 5,940,000 | 5,859,000 | 5,282,000 |
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 | 531,000 | 1,013,000 | 1,495,000 | 1,934,000 |
| Interest expense | 175,000 | 338,000 | 493,000 | 648,000 |
| Net interest income | 356,000 | 675,000 | 1,002,000 | 1,286,000 |
| Noninterest income | 83,000 | 140,000 | 186,000 | 233,000 |
| Noninterest expense | 467,000 | 914,000 | 1,361,000 | 1,768,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -28,000 | -99,000 | -173,000 | -249,000 |
| Income tax | 0 | 0 | 0 | 296,000 |
| Net income | -28,000 | -99,000 | -173,000 | -545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,761,000 | 5,690,000 | 5,616,000 | 5,243,000 |
| Total capital | 6,067,000 | 5,973,000 | 5,887,000 | 5,517,000 |
| Risk-weighted assets | 23,588,000 | 21,790,000 | 21,050,000 | 21,295,000 |
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