Call reports 2009
CITIZENS' BANK, INC. — 2009
What CITIZENS' BANK, INC. 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 | 122,120,000 | 118,599,000 | 113,783,000 | 111,844,000 |
| Total loans | 77,834,000 | 78,257,000 | 77,483,000 | 77,362,000 |
| Allowance for loan losses | 990,000 | 1,047,000 | 1,102,000 | 1,419,000 |
| Securities available for sale | 24,178,000 | 18,957,000 | 17,265,000 | 15,794,000 |
| Securities held to maturity | 1,051,000 | 2,922,000 | 3,499,000 | 2,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,330,000 | 101,600,000 | 96,725,000 | 95,211,000 |
| Interest-bearing deposits | 86,672,000 | 83,579,000 | 79,995,000 | 77,251,000 |
| Noninterest-bearing deposits | 17,658,000 | 18,021,000 | 16,730,000 | 17,960,000 |
| Equity capital | 12,428,000 | 11,554,000 | 11,661,000 | 11,285,000 |
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 | 1,487,000 | 3,012,000 | 4,471,000 | 5,899,000 |
| Interest expense | 558,000 | 1,103,000 | 1,605,000 | 2,043,000 |
| Net interest income | 929,000 | 1,909,000 | 2,866,000 | 3,856,000 |
| Noninterest income | 171,000 | -438,000 | -225,000 | -84,000 |
| Noninterest expense | 910,000 | 1,920,000 | 2,760,000 | 3,799,000 |
| Provision for loan losses | 112,000 | 273,000 | 702,000 | 1,126,000 |
| Pretax income | 93,000 | -662,000 | -774,000 | -1,096,000 |
| Income tax | 19,000 | 0 | 0 | -18,000 |
| Net income | 74,000 | -662,000 | -774,000 | -1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,133,000 | 11,387,000 | 11,295,000 | 10,978,000 |
| Total capital | 13,123,000 | 12,434,000 | 12,342,000 | 12,019,000 |
| Risk-weighted assets | 86,570,000 | 85,116,000 | 83,731,000 | 82,868,000 |