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 | 240,672,000 | 237,052,000 | 239,315,000 | 264,337,000 |
| Total loans | 151,818,000 | 164,162,000 | 170,190,000 | 163,627,000 |
| Allowance for loan losses | 1,538,000 | 1,468,000 | 1,535,000 | 1,652,000 |
| Securities available for sale | 56,988,000 | 48,819,000 | 46,996,000 | 66,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,664,000 | 213,578,000 | 215,627,000 | 243,566,000 |
| Interest-bearing deposits | 135,950,000 | 136,252,000 | 185,126,000 | 206,447,000 |
| Noninterest-bearing deposits | 84,715,000 | 77,326,000 | 30,501,000 | 37,119,000 |
| Equity capital | 18,034,000 | 18,558,000 | 19,770,000 | 18,641,000 |
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 | 3,003,000 | 6,040,000 | 9,161,000 | 12,299,000 |
| Interest expense | 900,000 | 1,790,000 | 2,624,000 | 3,501,000 |
| Net interest income | 2,103,000 | 4,250,000 | 6,537,000 | 8,798,000 |
| Noninterest income | 288,000 | 672,000 | 1,061,000 | 1,388,000 |
| Noninterest expense | 1,640,000 | 3,323,000 | 5,018,000 | 6,767,000 |
| Provision for loan losses | 110,000 | 235,000 | 360,000 | 520,000 |
| Pretax income | 711,000 | 1,568,000 | 2,395,000 | 3,518,000 |
| Income tax | 0 | 0 | 10,000 | 10,000 |
| Net income | 711,000 | 1,568,000 | 2,385,000 | 3,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,935,000 | 18,432,000 | 18,989,000 | 19,683,000 |
| Total capital | 19,473,000 | 19,900,000 | 20,524,000 | 21,335,000 |
| Risk-weighted assets | 167,257,000 | 174,107,000 | 177,859,000 | 177,233,000 |