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 | 369,133,000 | 356,450,000 | 342,355,000 | 337,544,000 |
| Total loans | 263,778,000 | 263,145,000 | 249,670,000 | 244,714,000 |
| Allowance for loan losses | 3,501,000 | 6,275,000 | 3,838,000 | 4,353,000 |
| Securities available for sale | 38,674,000 | 40,002,000 | 41,244,000 | 41,497,000 |
| Securities held to maturity | 28,932,000 | 28,242,000 | 27,825,000 | 27,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,636,000 | 312,725,000 | 300,677,000 | 294,296,000 |
| Interest-bearing deposits | 273,029,000 | 261,847,000 | 246,353,000 | 242,626,000 |
| Noninterest-bearing deposits | 51,607,000 | 50,878,000 | 54,324,000 | 51,670,000 |
| Equity capital | 32,749,000 | 31,514,000 | 29,977,000 | 30,476,000 |
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 | 4,346,000 | 8,451,000 | 12,551,000 | 16,773,000 |
| Interest expense | 696,000 | 1,376,000 | 2,031,000 | 2,641,000 |
| Net interest income | 3,650,000 | 7,075,000 | 10,520,000 | 14,132,000 |
| Noninterest income | 891,000 | 1,850,000 | 2,742,000 | 3,667,000 |
| Noninterest expense | 3,378,000 | 6,721,000 | 10,492,000 | 13,647,000 |
| Provision for loan losses | 450,000 | 3,424,000 | 6,944,000 | 7,569,000 |
| Pretax income | 713,000 | -1,220,000 | -4,174,000 | -3,417,000 |
| Income tax | 155,000 | -732,000 | -2,031,000 | -1,872,000 |
| Net income | 558,000 | -488,000 | -2,143,000 | -1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,829,000 | 32,447,000 | 30,514,000 | 31,112,000 |
| Total capital | 37,281,000 | 35,878,000 | 33,805,000 | 34,337,000 |
| Risk-weighted assets | 276,094,000 | 272,130,000 | 262,784,000 | 256,890,000 |
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