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 | 35,913,000 | 34,925,000 | 41,406,000 | 41,344,000 |
| Total loans | 16,593,000 | 17,149,000 | 17,574,000 | 18,443,000 |
| Allowance for loan losses | 218,000 | 218,000 | 219,000 | 215,000 |
| Securities available for sale | 17,702,000 | 16,176,000 | 18,566,000 | 20,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,353,000 | 27,101,000 | 34,014,000 | 33,804,000 |
| Interest-bearing deposits | 22,035,000 | 21,711,000 | 29,208,000 | 27,621,000 |
| Noninterest-bearing deposits | 5,318,000 | 5,390,000 | 4,806,000 | 6,183,000 |
| Equity capital | 3,675,000 | 3,821,000 | 3,885,000 | 3,546,000 |
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 | 446,000 | 891,000 | 1,330,000 | 1,794,000 |
| Interest expense | 110,000 | 220,000 | 333,000 | 448,000 |
| Net interest income | 336,000 | 671,000 | 997,000 | 1,346,000 |
| Noninterest income | 115,000 | 177,000 | 269,000 | 335,000 |
| Noninterest expense | 263,000 | 513,000 | 787,000 | 1,113,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 360,000 | 517,000 | 606,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 30,000 |
| Net income | 185,000 | 348,000 | 499,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,315,000 | 3,363,000 | 3,384,000 | 3,381,000 |
| Total capital | 3,533,000 | 3,581,000 | 3,603,000 | 3,596,000 |
| Risk-weighted assets | 23,677,000 | 23,909,000 | 24,204,000 | 25,127,000 |