Call reports 2010
CITIZENS' BANK, INC. — 2010
What CITIZENS' BANK, INC. 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 | 118,196,000 | 118,980,000 | 122,114,000 | 119,063,000 |
| Total loans | 79,002,000 | 76,915,000 | 74,670,000 | 72,327,000 |
| Allowance for loan losses | 1,505,000 | 1,410,000 | 1,250,000 | 1,986,000 |
| Securities available for sale | 17,971,000 | 18,152,000 | 20,024,000 | 25,306,000 |
| Securities held to maturity | 3,115,000 | 3,112,000 | 3,044,000 | 2,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,624,000 | 102,112,000 | 105,489,000 | 103,784,000 |
| Interest-bearing deposits | 83,825,000 | 85,403,000 | 86,806,000 | 86,389,000 |
| Noninterest-bearing deposits | 17,799,000 | 16,709,000 | 18,683,000 | 17,396,000 |
| Equity capital | 11,161,000 | 11,441,000 | 11,186,000 | 9,890,000 |
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 | 1,360,000 | 2,752,000 | 4,091,000 | 5,385,000 |
| Interest expense | 411,000 | 818,000 | 1,211,000 | 1,556,000 |
| Net interest income | 949,000 | 1,934,000 | 2,880,000 | 3,829,000 |
| Noninterest income | 131,000 | 434,000 | 314,000 | -36,000 |
| Noninterest expense | 929,000 | 1,900,000 | 2,811,000 | 3,742,000 |
| Provision for loan losses | 260,000 | 414,000 | 647,000 | 1,507,000 |
| Pretax income | -94,000 | 127,000 | -122,000 | -1,314,000 |
| Income tax | 9,000 | 18,000 | 0 | -144,000 |
| Net income | -103,000 | 109,000 | -122,000 | -1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,875,000 | 11,088,000 | 10,856,000 | 9,808,000 |
| Total capital | 11,943,000 | 12,134,000 | 11,886,000 | 10,818,000 |
| Risk-weighted assets | 85,038,000 | 83,286,000 | 82,165,000 | 79,822,000 |