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 | 220,056,000 | 232,896,000 | 235,959,000 | 241,200,000 |
| Total loans | 136,309,000 | 151,901,000 | 158,228,000 | 164,883,000 |
| Allowance for loan losses | 1,155,000 | 1,210,000 | 1,274,000 | 1,438,000 |
| Securities available for sale | 36,236,000 | 57,476,000 | 55,099,000 | 51,835,000 |
| Securities held to maturity | 625,000 | 625,000 | 625,000 | 625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,016,000 | 197,070,000 | 201,366,000 | 218,375,000 |
| Interest-bearing deposits | 166,647,000 | 163,746,000 | 170,468,000 | 145,763,000 |
| Noninterest-bearing deposits | 36,369,000 | 33,324,000 | 30,898,000 | 72,612,000 |
| Equity capital | 15,602,000 | 16,028,000 | 17,164,000 | 17,661,000 |
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 | 2,857,000 | 5,857,000 | 9,036,000 | 12,264,000 |
| Interest expense | 1,154,000 | 2,216,000 | 3,195,000 | 4,119,000 |
| Net interest income | 1,703,000 | 3,641,000 | 5,841,000 | 8,145,000 |
| Noninterest income | 235,000 | 533,000 | 816,000 | 951,000 |
| Noninterest expense | 1,484,000 | 3,148,000 | 4,859,000 | 6,543,000 |
| Provision for loan losses | 50,000 | 110,000 | 185,000 | 400,000 |
| Pretax income | 616,000 | 1,128,000 | 1,626,000 | 2,173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 616,000 | 1,128,000 | 1,626,000 | 2,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,737,000 | 16,949,000 | 17,137,000 | 17,424,000 |
| Total capital | 17,892,000 | 18,159,000 | 18,411,000 | 18,862,000 |
| Risk-weighted assets | 150,637,000 | 165,499,000 | 167,236,000 | 177,283,000 |