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 | 59,241,000 | 60,540,000 | 61,553,000 | 64,267,000 |
| Total loans | 32,007,000 | 33,280,000 | 33,008,000 | 33,469,000 |
| Allowance for loan losses | 324,000 | 366,000 | 392,000 | 340,000 |
| Securities available for sale | 18,818,000 | 18,699,000 | 18,802,000 | 21,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,835,000 | 52,022,000 | 52,668,000 | 55,505,000 |
| Interest-bearing deposits | 41,934,000 | 42,348,000 | 43,933,000 | 46,103,000 |
| Noninterest-bearing deposits | 8,901,000 | 9,674,000 | 8,735,000 | 9,402,000 |
| Equity capital | 6,774,000 | 6,888,000 | 7,247,000 | 6,833,000 |
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 | 837,000 | 1,666,000 | 2,494,000 | 3,304,000 |
| Interest expense | 251,000 | 493,000 | 725,000 | 953,000 |
| Net interest income | 586,000 | 1,173,000 | 1,769,000 | 2,351,000 |
| Noninterest income | 175,000 | 361,000 | 552,000 | 714,000 |
| Noninterest expense | 635,000 | 1,220,000 | 1,769,000 | 2,441,000 |
| Provision for loan losses | 0 | 75,000 | 140,000 | 140,000 |
| Pretax income | 139,000 | 252,000 | 412,000 | 497,000 |
| Income tax | 30,000 | -86,000 | -86,000 | 27,000 |
| Net income | 109,000 | 338,000 | 498,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,534,000 | 6,762,000 | 6,923,000 | 6,695,000 |
| Total capital | 6,858,000 | 7,128,000 | 7,315,000 | 7,035,000 |
| Risk-weighted assets | 34,264,000 | 35,868,000 | 36,229,000 | 37,198,000 |