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 | 89,792,000 | 90,781,000 | 91,460,000 | 91,195,000 |
| Total loans | 44,704,000 | 44,367,000 | 45,784,000 | 45,813,000 |
| Allowance for loan losses | 448,000 | 441,000 | 441,000 | 458,000 |
| Securities available for sale | 33,089,000 | 36,174,000 | 34,656,000 | 33,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,013,000 | 75,462,000 | 75,549,000 | 76,684,000 |
| Interest-bearing deposits | 63,473,000 | 64,217,000 | 64,880,000 | 65,355,000 |
| Noninterest-bearing deposits | 11,540,000 | 11,245,000 | 10,669,000 | 11,329,000 |
| Equity capital | 9,738,000 | 10,269,000 | 10,793,000 | 9,618,000 |
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 | 1,031,000 | 2,095,000 | 3,164,000 | 4,183,000 |
| Interest expense | 333,000 | 676,000 | 1,022,000 | 1,362,000 |
| Net interest income | 698,000 | 1,419,000 | 2,142,000 | 2,821,000 |
| Noninterest income | 89,000 | 162,000 | 242,000 | 315,000 |
| Noninterest expense | 317,000 | 645,000 | 980,000 | 1,481,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 30,000 |
| Pretax income | 497,000 | 963,000 | 1,421,000 | 1,652,000 |
| Income tax | 79,000 | 187,000 | 265,000 | 423,000 |
| Net income | 418,000 | 776,000 | 1,156,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,268,000 | 9,627,000 | 10,006,000 | 9,402,000 |
| Total capital | 9,716,000 | 10,068,000 | 10,447,000 | 9,860,000 |
| Risk-weighted assets | 53,311,000 | 53,239,000 | 54,534,000 | 54,602,000 |