Call reports 2010
CITIZENS BANK, THE — 2010
What CITIZENS BANK, THE 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 | 577,431,000 | 586,664,000 | 587,598,000 | 580,389,000 |
| Total loans | 213,466,000 | 212,994,000 | 209,635,000 | 209,811,000 |
| Allowance for loan losses | 3,538,000 | 3,697,000 | 3,819,000 | 3,803,000 |
| Securities available for sale | 276,004,000 | 289,584,000 | 306,003,000 | 296,032,000 |
| Securities held to maturity | 8,115,000 | 7,961,000 | 7,775,000 | 5,583,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,242,000 | 479,977,000 | 474,328,000 | 474,145,000 |
| Interest-bearing deposits | 347,476,000 | 352,753,000 | 350,597,000 | 352,678,000 |
| Noninterest-bearing deposits | 126,766,000 | 127,224,000 | 123,731,000 | 121,467,000 |
| Equity capital | 54,721,000 | 58,062,000 | 60,251,000 | 53,638,000 |
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 | 6,226,000 | 12,716,000 | 19,133,000 | 25,388,000 |
| Interest expense | 1,089,000 | 2,179,000 | 3,253,000 | 4,274,000 |
| Net interest income | 5,137,000 | 10,537,000 | 15,880,000 | 21,114,000 |
| Noninterest income | 1,651,000 | 3,423,000 | 5,098,000 | 6,609,000 |
| Noninterest expense | 3,663,000 | 7,354,000 | 11,214,000 | 14,675,000 |
| Provision for loan losses | 225,000 | 485,000 | 665,000 | 760,000 |
| Pretax income | 2,950,000 | 6,090,000 | 9,008,000 | 10,878,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,950,000 | 6,090,000 | 9,008,000 | 10,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,723,000 | 50,370,000 | 51,553,000 | 50,753,000 |
| Total capital | 52,279,000 | 53,931,000 | 55,129,000 | 54,330,000 |
| Risk-weighted assets | 284,029,000 | 284,321,000 | 285,338,000 | 285,405,000 |