Call reports 2009
CITIZENS BANK, NATIONAL ASSOCIATION — 2009
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 86,278,000 | 84,835,000 | 82,317,000 | 84,834,000 |
| Total loans | 62,634,000 | 60,830,000 | 58,650,000 | 59,779,000 |
| Allowance for loan losses | 746,000 | 758,000 | 798,000 | 815,000 |
| Securities available for sale | 12,162,000 | 10,837,000 | 12,060,000 | 12,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,028,000 | 70,605,000 | 67,560,000 | 69,382,000 |
| Interest-bearing deposits | 48,064,000 | 47,362,000 | 46,844,000 | 47,092,000 |
| Noninterest-bearing deposits | 24,964,000 | 23,243,000 | 20,716,000 | 22,290,000 |
| Equity capital | 10,958,000 | 10,949,000 | 10,981,000 | 10,922,000 |
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 | 453,000 | 1,485,000 | 2,513,000 | 3,549,000 |
| Interest expense | 72,000 | 218,000 | 350,000 | 473,000 |
| Net interest income | 381,000 | 1,267,000 | 2,163,000 | 3,076,000 |
| Noninterest income | 55,000 | 213,000 | 373,000 | 530,000 |
| Noninterest expense | 243,000 | 877,000 | 1,489,000 | 2,115,000 |
| Provision for loan losses | 6,000 | 21,000 | 61,000 | 76,000 |
| Pretax income | 187,000 | 582,000 | 986,000 | 1,415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 582,000 | 986,000 | 1,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,869,000 | 6,863,000 | 6,868,000 | 6,796,000 |
| Total capital | 7,615,000 | 7,621,000 | 7,666,000 | 7,611,000 |
| Risk-weighted assets | 71,411,000 | 69,355,000 | 67,991,000 | 70,243,000 |