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 | 130,848,000 | 132,558,000 | 134,601,000 | 137,613,000 |
| Total loans | 96,911,000 | 98,315,000 | 100,700,000 | 101,446,000 |
| Allowance for loan losses | 929,000 | 1,333,000 | 1,244,000 | 1,196,000 |
| Securities available for sale | 20,685,000 | 20,392,000 | 19,203,000 | 18,527,000 |
| Securities held to maturity | 4,882,000 | 4,595,000 | 4,307,000 | 3,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,460,000 | 116,284,000 | 118,535,000 | 125,274,000 |
| Interest-bearing deposits | 96,853,000 | 102,068,000 | 103,810,000 | 110,478,000 |
| Noninterest-bearing deposits | 15,607,000 | 14,216,000 | 14,725,000 | 14,796,000 |
| Equity capital | 11,762,000 | 11,741,000 | 11,572,000 | 11,631,000 |
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 | 2,037,000 | 4,045,000 | 6,137,000 | 8,170,000 |
| Interest expense | 766,000 | 1,525,000 | 2,248,000 | 2,920,000 |
| Net interest income | 1,271,000 | 2,520,000 | 3,889,000 | 5,250,000 |
| Noninterest income | 174,000 | 360,000 | 522,000 | 706,000 |
| Noninterest expense | 885,000 | 1,857,000 | 2,826,000 | 4,085,000 |
| Provision for loan losses | 100,000 | 533,000 | 553,000 | 628,000 |
| Pretax income | 460,000 | 490,000 | 1,032,000 | 1,243,000 |
| Income tax | 176,000 | 188,000 | 395,000 | 553,000 |
| Net income | 284,000 | 302,000 | 637,000 | 690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,627,000 | 11,646,000 | 11,368,000 | 11,421,000 |
| Total capital | 12,556,000 | 12,813,000 | 12,565,000 | 12,617,000 |
| Risk-weighted assets | 92,103,000 | 93,206,000 | 95,743,000 | 99,147,000 |