Call reports 2010
CITIZENS BANK, NATIONAL ASSOCIATION — 2010
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 84,412,000 | 83,524,000 | 82,185,000 | 82,520,000 |
| Total loans | 58,011,000 | 58,935,000 | 59,282,000 | 58,262,000 |
| Allowance for loan losses | 830,000 | 840,000 | 837,000 | 871,000 |
| Securities available for sale | 11,893,000 | 11,226,000 | 10,935,000 | 11,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,436,000 | 70,217,000 | 67,644,000 | 68,551,000 |
| Interest-bearing deposits | 46,753,000 | 45,602,000 | 44,458,000 | 45,287,000 |
| Noninterest-bearing deposits | 22,682,000 | 24,616,000 | 23,187,000 | 23,264,000 |
| Equity capital | 10,916,000 | 11,078,000 | 11,102,000 | 10,824,000 |
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 | 1,003,000 | 2,034,000 | 3,048,000 | 4,027,000 |
| Interest expense | 115,000 | 223,000 | 323,000 | 416,000 |
| Net interest income | 888,000 | 1,811,000 | 2,725,000 | 3,611,000 |
| Noninterest income | 156,000 | 318,000 | 469,000 | 650,000 |
| Noninterest expense | 625,000 | 1,279,000 | 1,883,000 | 2,498,000 |
| Provision for loan losses | 15,000 | 30,000 | 58,000 | 93,000 |
| Pretax income | 413,000 | 829,000 | 1,263,000 | 1,680,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 413,000 | 829,000 | 1,263,000 | 1,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,810,000 | 6,976,000 | 6,940,000 | 6,807,000 |
| Total capital | 7,640,000 | 7,817,000 | 7,779,000 | 7,584,000 |
| Risk-weighted assets | 67,114,000 | 67,666,000 | 67,505,000 | 62,050,000 |
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