Call reports 2009
CITIZENS BANK, THE — 2009
What CITIZENS BANK, THE 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 | 94,968,000 | 92,691,000 | 92,275,000 | 93,809,000 |
| Total loans | 62,711,000 | 63,689,000 | 65,388,000 | 61,870,000 |
| Allowance for loan losses | 1,444,000 | 1,406,000 | 1,411,000 | 966,000 |
| Securities available for sale | 24,140,000 | 22,198,000 | 20,823,000 | 21,997,000 |
| Securities held to maturity | 220,000 | 175,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,026,000 | 71,984,000 | 72,055,000 | 77,999,000 |
| Interest-bearing deposits | 66,993,000 | 61,216,000 | 61,918,000 | 63,044,000 |
| Noninterest-bearing deposits | 11,034,000 | 10,768,000 | 10,137,000 | 14,955,000 |
| Equity capital | 10,629,000 | 10,622,000 | 11,272,000 | 11,348,000 |
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 | 1,313,000 | 2,612,000 | 3,947,000 | 5,241,000 |
| Interest expense | 515,000 | 1,008,000 | 1,490,000 | 1,929,000 |
| Net interest income | 798,000 | 1,604,000 | 2,457,000 | 3,312,000 |
| Noninterest income | 160,000 | 166,000 | 370,000 | 639,000 |
| Noninterest expense | 600,000 | 1,237,000 | 1,847,000 | 2,481,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 268,000 | 353,000 | 710,000 | 1,174,000 |
| Income tax | 50,000 | 20,000 | 96,000 | 230,000 |
| Net income | 218,000 | 333,000 | 614,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,562,000 | 10,681,000 | 10,912,000 | 11,202,000 |
| Total capital | 11,337,000 | 11,486,000 | 11,724,000 | 11,996,000 |
| Risk-weighted assets | 61,105,000 | 63,799,000 | 64,399,000 | 65,778,000 |