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 | 47,333,000 | 45,892,000 | 47,945,000 | 50,649,000 |
| Total loans | 39,456,000 | 40,950,000 | 42,000,000 | 42,390,000 |
| Allowance for loan losses | 434,000 | 433,000 | 393,000 | 403,000 |
| Securities available for sale | 150,000 | 147,000 | 146,000 | 144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,700,000 | 38,624,000 | 40,629,000 | 43,280,000 |
| Interest-bearing deposits | 31,070,000 | 32,093,000 | 33,815,000 | 35,793,000 |
| Noninterest-bearing deposits | 5,630,000 | 6,530,000 | 6,814,000 | 7,487,000 |
| Equity capital | 3,525,000 | 3,650,000 | 3,678,000 | 3,738,000 |
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 | 644,000 | 1,312,000 | 2,019,000 | 2,705,000 |
| Interest expense | 167,000 | 334,000 | 487,000 | 643,000 |
| Net interest income | 477,000 | 978,000 | 1,532,000 | 2,062,000 |
| Noninterest income | 107,000 | 195,000 | 299,000 | 396,000 |
| Noninterest expense | 488,000 | 946,000 | 1,421,000 | 1,922,000 |
| Provision for loan losses | 38,000 | 44,000 | 53,000 | 62,000 |
| Pretax income | 58,000 | 183,000 | 357,000 | 475,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 58,000 | 183,000 | 357,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,525,000 | 3,650,000 | 3,678,000 | 3,738,000 |
| Total capital | 3,937,000 | 4,078,000 | 4,071,000 | 4,141,000 |
| Risk-weighted assets | 32,878,000 | 33,454,000 | 34,852,000 | 35,369,000 |