Call reports 2010
CITIZENS BANK, N.A. — 2010
What CITIZENS BANK, N.A. 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 | 285,178,000 | 285,876,000 | 282,840,000 | 277,733,000 |
| Total loans | 165,725,000 | 165,255,000 | 159,901,000 | 156,511,000 |
| Allowance for loan losses | 3,394,000 | 2,832,000 | 2,837,000 | 3,180,000 |
| Securities available for sale | 86,077,000 | 82,571,000 | 92,115,000 | 90,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,102,000 | 192,471,000 | 179,640,000 | 177,195,000 |
| Interest-bearing deposits | 155,569,000 | 160,015,000 | 147,773,000 | 143,735,000 |
| Noninterest-bearing deposits | 31,533,000 | 32,456,000 | 31,867,000 | 33,460,000 |
| Equity capital | 29,775,000 | 29,642,000 | 30,715,000 | 29,764,000 |
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 | 3,520,000 | 6,865,000 | 10,207,000 | 13,501,000 |
| Interest expense | 1,216,000 | 2,369,000 | 3,461,000 | 4,492,000 |
| Net interest income | 2,304,000 | 4,496,000 | 6,746,000 | 9,009,000 |
| Noninterest income | 700,000 | 1,396,000 | 2,272,000 | 3,162,000 |
| Noninterest expense | 2,358,000 | 4,853,000 | 7,039,000 | 8,766,000 |
| Provision for loan losses | 750,000 | 1,545,000 | 1,910,000 | 2,706,000 |
| Pretax income | -44,000 | -375,000 | 381,000 | 1,209,000 |
| Income tax | -17,000 | -38,000 | -47,000 | -37,000 |
| Net income | -27,000 | -337,000 | 428,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,088,000 | 26,289,000 | 27,057,000 | 27,875,000 |
| Total capital | 29,687,000 | 28,886,000 | 29,600,000 | 30,359,000 |
| Risk-weighted assets | 202,906,000 | 203,064,000 | 197,331,000 | 192,059,000 |