Call reports 2010
CITIZENS BANK — 2010
What CITIZENS BANK 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 | 592,283,000 | 597,851,000 | 606,529,000 | 593,138,000 |
| Total loans | 429,174,000 | 439,082,000 | 450,103,000 | 448,073,000 |
| Allowance for loan losses | 6,935,000 | 6,925,000 | 7,609,000 | 7,823,000 |
| Securities available for sale | 117,407,000 | 115,113,000 | 120,672,000 | 114,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,237,000 | 493,689,000 | 495,517,000 | 504,594,000 |
| Interest-bearing deposits | 446,665,000 | 438,959,000 | 440,596,000 | 450,141,000 |
| Noninterest-bearing deposits | 55,572,000 | 54,730,000 | 54,921,000 | 54,453,000 |
| Equity capital | 71,519,000 | 74,251,000 | 78,527,000 | 71,468,000 |
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 | 7,278,000 | 14,512,000 | 21,853,000 | 29,294,000 |
| Interest expense | 1,822,000 | 3,548,000 | 5,176,000 | 6,679,000 |
| Net interest income | 5,456,000 | 10,964,000 | 16,677,000 | 22,615,000 |
| Noninterest income | 290,000 | 822,000 | 1,848,000 | 2,523,000 |
| Noninterest expense | 3,807,000 | 7,444,000 | 11,003,000 | 15,087,000 |
| Provision for loan losses | 351,000 | 1,119,000 | 1,898,000 | 2,551,000 |
| Pretax income | 1,595,000 | 3,240,000 | 5,653,000 | 7,532,000 |
| Income tax | 81,000 | 229,000 | 415,000 | 473,000 |
| Net income | 1,514,000 | 3,011,000 | 5,238,000 | 7,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,285,000 | 70,913,000 | 73,253,000 | 71,383,000 |
| Total capital | 73,929,000 | 75,546,000 | 77,890,000 | 75,898,000 |
| Risk-weighted assets | 369,231,000 | 368,316,000 | 368,010,000 | 357,900,000 |