Call reports 2009
CITIZENS BANK — 2009
What CITIZENS BANK 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 | 339,091,000 | 334,358,000 | 329,452,000 | 343,006,000 |
| Total loans | 244,048,000 | 248,537,000 | 257,933,000 | 259,004,000 |
| Allowance for loan losses | 4,107,000 | 4,098,000 | 4,043,000 | 3,998,000 |
| Securities available for sale | 48,326,000 | 41,307,000 | 35,481,000 | 31,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,376,000 | 285,760,000 | 276,681,000 | 290,213,000 |
| Interest-bearing deposits | 240,526,000 | 240,509,000 | 229,726,000 | 242,650,000 |
| Noninterest-bearing deposits | 48,850,000 | 45,251,000 | 46,955,000 | 47,563,000 |
| Equity capital | 29,346,000 | 28,826,000 | 30,768,000 | 31,809,000 |
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 | 4,878,000 | 9,921,000 | 14,892,000 | 19,943,000 |
| Interest expense | 1,752,000 | 3,418,000 | 4,909,000 | 6,416,000 |
| Net interest income | 3,126,000 | 6,503,000 | 9,983,000 | 13,527,000 |
| Noninterest income | 851,000 | 1,661,000 | 2,522,000 | 3,395,000 |
| Noninterest expense | 2,685,000 | 5,443,000 | 8,137,000 | 11,285,000 |
| Provision for loan losses | 76,000 | 155,000 | 276,000 | 556,000 |
| Pretax income | 1,216,000 | 2,570,000 | 4,096,000 | 5,086,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,216,000 | 2,570,000 | 4,096,000 | 5,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,802,000 | 30,658,000 | 32,187,000 | 33,181,000 |
| Total capital | 33,682,000 | 33,581,000 | 35,187,000 | 36,226,000 |
| Risk-weighted assets | 229,202,000 | 232,702,000 | 238,969,000 | 242,676,000 |