Call reports 2009
CITIZENS BANK, THE — 2009
What CITIZENS BANK, THE 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 | 560,213,000 | 559,526,000 | 548,014,000 | 560,460,000 |
| Total loans | 232,910,000 | 234,342,000 | 223,706,000 | 220,121,000 |
| Allowance for loan losses | 3,302,000 | 3,367,000 | 3,515,000 | 3,603,000 |
| Securities available for sale | 240,886,000 | 243,763,000 | 245,056,000 | 254,471,000 |
| Securities held to maturity | 8,585,000 | 8,441,000 | 8,329,000 | 8,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,753,000 | 454,287,000 | 438,522,000 | 454,236,000 |
| Interest-bearing deposits | 329,650,000 | 322,581,000 | 313,507,000 | 328,704,000 |
| Noninterest-bearing deposits | 130,103,000 | 131,706,000 | 125,015,000 | 125,532,000 |
| Equity capital | 42,452,000 | 48,818,000 | 53,545,000 | 52,732,000 |
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 | 6,827,000 | 13,568,000 | 20,085,000 | 26,509,000 |
| Interest expense | 1,420,000 | 2,742,000 | 4,004,000 | 5,211,000 |
| Net interest income | 5,407,000 | 10,826,000 | 16,081,000 | 21,298,000 |
| Noninterest income | 1,694,000 | 3,456,000 | 5,318,000 | 7,109,000 |
| Noninterest expense | 3,690,000 | 7,506,000 | 11,246,000 | 14,788,000 |
| Provision for loan losses | 120,000 | 240,000 | 480,000 | 820,000 |
| Pretax income | 3,150,000 | 6,363,000 | 9,500,000 | 12,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,150,000 | 6,363,000 | 9,500,000 | 12,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,964,000 | 44,240,000 | 46,202,000 | 47,317,000 |
| Total capital | 46,510,000 | 47,828,000 | 49,800,000 | 50,932,000 |
| Risk-weighted assets | 299,896,000 | 299,110,000 | 287,666,000 | 288,763,000 |