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 | 41,327,000 | 41,646,000 | 43,902,000 | 44,608,000 |
| Total loans | 34,396,000 | 36,413,000 | 38,214,000 | 38,883,000 |
| Allowance for loan losses | 346,000 | 357,000 | 432,000 | 396,000 |
| Securities available for sale | 886,000 | 673,000 | 669,000 | 152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,898,000 | 32,172,000 | 33,360,000 | 33,887,000 |
| Interest-bearing deposits | 28,552,000 | 27,431,000 | 28,321,000 | 28,548,000 |
| Noninterest-bearing deposits | 4,346,000 | 4,741,000 | 5,039,000 | 5,339,000 |
| Equity capital | 2,785,000 | 3,336,000 | 3,411,000 | 3,467,000 |
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 | 637,000 | 1,293,000 | 1,961,000 | 2,611,000 |
| Interest expense | 210,000 | 396,000 | 578,000 | 747,000 |
| Net interest income | 427,000 | 897,000 | 1,383,000 | 1,864,000 |
| Noninterest income | 68,000 | 159,000 | 238,000 | 330,000 |
| Noninterest expense | 391,000 | 854,000 | 1,269,000 | 1,719,000 |
| Provision for loan losses | 9,000 | 18,000 | 92,000 | 98,000 |
| Pretax income | 95,000 | 185,000 | 260,000 | 377,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 95,000 | 185,000 | 260,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,782,000 | 3,336,000 | 3,411,000 | 3,467,000 |
| Total capital | 3,129,000 | 3,693,000 | 3,809,000 | 3,863,000 |
| Risk-weighted assets | 29,192,000 | 29,500,000 | 31,060,000 | 31,956,000 |