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 | 85,378,000 | 84,946,000 | 86,494,000 | 86,389,000 |
| Total loans | 41,781,000 | 42,371,000 | 44,506,000 | 45,085,000 |
| Allowance for loan losses | 427,000 | 441,000 | 449,000 | 446,000 |
| Securities available for sale | 33,066,000 | 32,115,000 | 32,433,000 | 31,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,322,000 | 70,862,000 | 71,367,000 | 72,049,000 |
| Interest-bearing deposits | 60,011,000 | 60,571,000 | 58,974,000 | 55,298,000 |
| Noninterest-bearing deposits | 11,311,000 | 10,291,000 | 12,393,000 | 16,751,000 |
| Equity capital | 9,032,000 | 9,197,000 | 10,038,000 | 9,338,000 |
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 | 1,076,000 | 2,122,000 | 3,175,000 | 4,230,000 |
| Interest expense | 423,000 | 807,000 | 1,178,000 | 1,533,000 |
| Net interest income | 653,000 | 1,315,000 | 1,997,000 | 2,697,000 |
| Noninterest income | 74,000 | 141,000 | 215,000 | 309,000 |
| Noninterest expense | 319,000 | 647,000 | 942,000 | 1,498,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 65,000 |
| Pretax income | 408,000 | 759,000 | 1,220,000 | 1,445,000 |
| Income tax | 73,000 | 165,000 | 250,000 | 344,000 |
| Net income | 335,000 | 594,000 | 970,000 | 1,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,696,000 | 8,956,000 | 9,332,000 | 8,850,000 |
| Total capital | 9,123,000 | 9,397,000 | 9,781,000 | 9,296,000 |
| Risk-weighted assets | 48,864,000 | 49,709,000 | 51,803,000 | 52,463,000 |