Call reports 2009
CITIZENS BANK — 2009
What CITIZENS BANK 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 | 660,489,000 | 623,365,000 | 585,923,000 | 599,948,000 |
| Total loans | 465,220,000 | 446,333,000 | 424,825,000 | 437,726,000 |
| Allowance for loan losses | 7,696,000 | 6,019,000 | 6,760,000 | 6,825,000 |
| Securities available for sale | 133,379,000 | 125,945,000 | 124,153,000 | 120,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,806,000 | 487,197,000 | 474,611,000 | 488,898,000 |
| Interest-bearing deposits | 442,696,000 | 429,964,000 | 420,277,000 | 432,907,000 |
| Noninterest-bearing deposits | 56,110,000 | 57,233,000 | 54,334,000 | 55,991,000 |
| Equity capital | 66,896,000 | 68,788,000 | 73,623,000 | 70,012,000 |
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 | 7,978,000 | 15,778,000 | 22,919,000 | 30,245,000 |
| Interest expense | 2,510,000 | 4,965,000 | 7,204,000 | 9,193,000 |
| Net interest income | 5,468,000 | 10,813,000 | 15,715,000 | 21,052,000 |
| Noninterest income | 812,000 | 1,859,000 | 2,330,000 | 3,346,000 |
| Noninterest expense | 3,406,000 | 7,411,000 | 11,220,000 | 15,445,000 |
| Provision for loan losses | 1,815,000 | 2,105,000 | 3,299,000 | 7,326,000 |
| Pretax income | 1,068,000 | 3,192,000 | 3,576,000 | 1,677,000 |
| Income tax | 104,000 | 286,000 | 382,000 | 43,000 |
| Net income | 964,000 | 2,906,000 | 3,194,000 | 1,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,614,000 | 69,672,000 | 70,110,000 | 67,643,000 |
| Total capital | 72,934,000 | 74,666,000 | 74,862,000 | 72,410,000 |
| Risk-weighted assets | 423,197,000 | 398,489,000 | 377,810,000 | 379,319,000 |