Call reports 2010
CITIZENS BANK, THE — 2010
What CITIZENS BANK, THE 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 | 93,683,000 | 94,505,000 | 96,116,000 | 99,918,000 |
| Total loans | 62,971,000 | 67,058,000 | 68,162,000 | 67,267,000 |
| Allowance for loan losses | 1,028,000 | 1,145,000 | 1,116,000 | 1,115,000 |
| Securities available for sale | 22,747,000 | 19,488,000 | 20,511,000 | 23,153,000 |
| Securities held to maturity | 125,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,635,000 | 77,530,000 | 77,514,000 | 83,234,000 |
| Interest-bearing deposits | 63,585,000 | 67,384,000 | 67,788,000 | 70,788,000 |
| Noninterest-bearing deposits | 12,050,000 | 10,146,000 | 9,726,000 | 12,445,000 |
| Equity capital | 11,565,000 | 11,947,000 | 12,473,000 | 11,742,000 |
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 | 1,264,000 | 2,637,000 | 3,943,000 | 5,260,000 |
| Interest expense | 402,000 | 801,000 | 1,186,000 | 1,558,000 |
| Net interest income | 862,000 | 1,836,000 | 2,757,000 | 3,702,000 |
| Noninterest income | 186,000 | 362,000 | 559,000 | 721,000 |
| Noninterest expense | 606,000 | 1,277,000 | 1,911,000 | 2,658,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 352,000 | 741,000 | 1,135,000 | 1,405,000 |
| Income tax | 79,000 | 170,000 | 262,000 | 309,000 |
| Net income | 273,000 | 571,000 | 873,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,376,000 | 11,672,000 | 11,974,000 | 11,798,000 |
| Total capital | 12,182,000 | 12,524,000 | 12,824,000 | 12,676,000 |
| Risk-weighted assets | 64,297,000 | 67,846,000 | 67,618,000 | 70,173,000 |