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 | 32,556,000 | 32,565,000 | 33,577,000 | 35,588,000 |
| Total loans | 15,683,000 | 15,200,000 | 15,729,000 | 16,492,000 |
| Allowance for loan losses | 224,000 | 224,000 | 223,000 | 217,000 |
| Securities available for sale | 15,393,000 | 15,649,000 | 16,115,000 | 17,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,839,000 | 24,413,000 | 25,697,000 | 26,783,000 |
| Interest-bearing deposits | 19,299,000 | 19,369,000 | 20,522,000 | 21,320,000 |
| Noninterest-bearing deposits | 5,540,000 | 5,044,000 | 5,175,000 | 5,463,000 |
| Equity capital | 3,466,000 | 3,554,000 | 3,779,000 | 3,639,000 |
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 | 461,000 | 900,000 | 1,335,000 | 1,783,000 |
| Interest expense | 134,000 | 265,000 | 389,000 | 510,000 |
| Net interest income | 327,000 | 635,000 | 946,000 | 1,273,000 |
| Noninterest income | 134,000 | 202,000 | 314,000 | 364,000 |
| Noninterest expense | 244,000 | 511,000 | 775,000 | 1,105,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 217,000 | 326,000 | 485,000 | 532,000 |
| Income tax | 11,000 | 16,000 | 24,000 | 25,000 |
| Net income | 206,000 | 310,000 | 461,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,316,000 | 3,318,000 | 3,374,000 | 3,270,000 |
| Total capital | 3,540,000 | 3,542,000 | 3,597,000 | 3,487,000 |
| Risk-weighted assets | 21,145,000 | 20,765,000 | 21,037,000 | 21,943,000 |