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 | 137,425,000 | 140,555,000 | 139,106,000 | 139,574,000 |
| Total loans | 102,851,000 | 106,687,000 | 108,013,000 | 106,288,000 |
| Allowance for loan losses | 1,164,000 | 1,258,000 | 1,293,000 | 1,420,000 |
| Securities available for sale | 18,842,000 | 22,999,000 | 22,691,000 | 21,774,000 |
| Securities held to maturity | 3,443,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,175,000 | 127,837,000 | 125,404,000 | 127,306,000 |
| Interest-bearing deposits | 110,252,000 | 110,680,000 | 109,671,000 | 109,546,000 |
| Noninterest-bearing deposits | 14,923,000 | 17,157,000 | 15,733,000 | 17,760,000 |
| Equity capital | 11,867,000 | 12,277,000 | 11,817,000 | 11,921,000 |
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 | 1,960,000 | 3,929,000 | 5,924,000 | 7,868,000 |
| Interest expense | 631,000 | 1,223,000 | 1,758,000 | 2,238,000 |
| Net interest income | 1,329,000 | 2,706,000 | 4,166,000 | 5,630,000 |
| Noninterest income | 157,000 | 304,000 | 482,000 | 645,000 |
| Noninterest expense | 1,035,000 | 2,064,000 | 3,161,000 | 4,177,000 |
| Provision for loan losses | 133,000 | 228,000 | 423,000 | 728,000 |
| Pretax income | 318,000 | 806,000 | 1,152,000 | 1,458,000 |
| Income tax | 122,000 | 309,000 | 442,000 | 559,000 |
| Net income | 196,000 | 497,000 | 710,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,616,000 | 11,917,000 | 11,553,000 | 11,741,000 |
| Total capital | 12,780,000 | 13,175,000 | 12,843,000 | 13,015,000 |
| Risk-weighted assets | 100,031,000 | 104,115,000 | 103,215,000 | 101,807,000 |