Call reports 2010
CITIZENS BANK — 2010
What CITIZENS BANK 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 | 352,302,000 | 349,452,000 | 361,054,000 | 360,004,000 |
| Total loans | 261,265,000 | 273,856,000 | 275,731,000 | 275,061,000 |
| Allowance for loan losses | 4,058,000 | 4,070,000 | 4,135,000 | 4,100,000 |
| Securities available for sale | 38,918,000 | 34,554,000 | 33,658,000 | 30,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,857,000 | 297,039,000 | 307,421,000 | 306,349,000 |
| Interest-bearing deposits | 251,917,000 | 248,544,000 | 256,733,000 | 255,673,000 |
| Noninterest-bearing deposits | 49,940,000 | 48,495,000 | 50,688,000 | 50,676,000 |
| Equity capital | 29,280,000 | 31,150,000 | 32,373,000 | 33,177,000 |
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 | 4,886,000 | 9,925,000 | 15,120,000 | 20,234,000 |
| Interest expense | 1,444,000 | 2,860,000 | 4,281,000 | 5,664,000 |
| Net interest income | 3,442,000 | 7,065,000 | 10,839,000 | 14,570,000 |
| Noninterest income | 867,000 | 1,691,000 | 2,509,000 | 3,309,000 |
| Noninterest expense | 2,782,000 | 5,578,000 | 8,568,000 | 11,713,000 |
| Provision for loan losses | 93,000 | 232,000 | 476,000 | 773,000 |
| Pretax income | 1,434,000 | 2,952,000 | 4,310,000 | 5,399,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,434,000 | 2,952,000 | 4,310,000 | 5,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,617,000 | 32,138,000 | 33,498,000 | 34,590,000 |
| Total capital | 33,693,000 | 35,339,000 | 36,717,000 | 37,798,000 |
| Risk-weighted assets | 245,076,000 | 255,247,000 | 256,607,000 | 255,776,000 |