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 | 342,937,000 | 353,160,000 | 352,015,000 | 353,118,000 |
| Total loans | 261,571,000 | 267,785,000 | 268,046,000 | 267,163,000 |
| Allowance for loan losses | 2,677,000 | 2,778,000 | 3,070,000 | 3,230,000 |
| Securities available for sale | 31,619,000 | 33,580,000 | 35,458,000 | 37,093,000 |
| Securities held to maturity | 34,621,000 | 32,933,000 | 31,549,000 | 30,202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,834,000 | 285,477,000 | 297,298,000 | 287,289,000 |
| Interest-bearing deposits | 237,325,000 | 236,653,000 | 249,788,000 | 236,897,000 |
| Noninterest-bearing deposits | 52,509,000 | 48,824,000 | 47,510,000 | 50,392,000 |
| Equity capital | 31,819,000 | 31,986,000 | 32,310,000 | 32,643,000 |
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 | 4,594,000 | 9,308,000 | 14,044,000 | 18,654,000 |
| Interest expense | 1,031,000 | 1,980,000 | 2,775,000 | 3,517,000 |
| Net interest income | 3,563,000 | 7,328,000 | 11,269,000 | 15,137,000 |
| Noninterest income | 936,000 | 1,871,000 | 2,864,000 | 3,651,000 |
| Noninterest expense | 3,229,000 | 6,869,000 | 10,251,000 | 13,682,000 |
| Provision for loan losses | 240,000 | 480,000 | 1,000,000 | 1,637,000 |
| Pretax income | 1,030,000 | 1,850,000 | 2,882,000 | 3,469,000 |
| Income tax | 258,000 | 437,000 | 686,000 | 758,000 |
| Net income | 772,000 | 1,413,000 | 2,196,000 | 2,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,925,000 | 33,154,000 | 33,526,000 | 33,665,000 |
| Total capital | 35,602,000 | 35,932,000 | 36,596,000 | 36,895,000 |
| Risk-weighted assets | 271,193,000 | 278,653,000 | 279,437,000 | 278,051,000 |
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