Call reports 2009
CITIZENS BANK, N.A. — 2009
What CITIZENS BANK, N.A. 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 | 298,764,000 | 292,067,000 | 287,744,000 | 291,228,000 |
| Total loans | 169,570,000 | 170,479,000 | 166,107,000 | 167,369,000 |
| Allowance for loan losses | 1,958,000 | 2,385,000 | 2,945,000 | 2,876,000 |
| Securities available for sale | 97,494,000 | 85,211,000 | 89,033,000 | 89,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 137,000 | 136,000 | 137,000 | 0 |
| Total deposits | 196,565,000 | 190,197,000 | 185,458,000 | 187,239,000 |
| Interest-bearing deposits | 165,854,000 | 158,366,000 | 156,185,000 | 156,912,000 |
| Noninterest-bearing deposits | 30,711,000 | 31,831,000 | 29,273,000 | 30,327,000 |
| Equity capital | 27,816,000 | 27,683,000 | 28,823,000 | 29,723,000 |
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 | 4,032,000 | 8,039,000 | 11,948,000 | 15,810,000 |
| Interest expense | 1,518,000 | 2,982,000 | 4,439,000 | 5,842,000 |
| Net interest income | 2,514,000 | 5,057,000 | 7,509,000 | 9,968,000 |
| Noninterest income | 769,000 | 1,852,000 | 2,633,000 | 3,556,000 |
| Noninterest expense | 2,261,000 | 4,683,000 | 6,976,000 | 9,191,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,623,000 | 1,834,000 |
| Pretax income | 722,000 | 1,626,000 | 1,697,000 | 2,654,000 |
| Income tax | 29,000 | 72,000 | 61,000 | 70,000 |
| Net income | 693,000 | 1,554,000 | 1,636,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,348,000 | 26,604,000 | 26,446,000 | 27,103,000 |
| Total capital | 28,306,000 | 28,989,000 | 29,105,000 | 29,787,000 |
| Risk-weighted assets | 214,150,000 | 217,972,000 | 212,466,000 | 214,552,000 |