Call reports 2012
CITIZENS FINANCIAL BANK — 2012
What CITIZENS FINANCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,170,455,000 | 1,132,380,000 | 1,118,722,000 | 1,138,292,000 |
| Total loans | 707,348,000 | 713,612,000 | 705,313,000 | 693,132,000 |
| Allowance for loan losses | 11,768,000 | 12,062,000 | 12,359,000 | 12,185,000 |
| Securities available for sale | 239,245,000 | 226,621,000 | 202,497,000 | 203,289,000 |
| Securities held to maturity | 15,911,000 | 13,965,000 | 13,490,000 | 15,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,013,168,000 | 974,938,000 | 958,502,000 | 972,861,000 |
| Interest-bearing deposits | 901,083,000 | 871,330,000 | 853,843,000 | 859,518,000 |
| Noninterest-bearing deposits | 112,085,000 | 103,608,000 | 104,659,000 | 113,343,000 |
| Equity capital | 102,379,000 | 103,445,000 | 107,211,000 | 111,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,811,000 | 21,571,000 | 31,989,000 | 42,157,000 |
| Interest expense | 1,688,000 | 3,276,000 | 4,675,000 | 5,977,000 |
| Net interest income | 9,123,000 | 18,295,000 | 27,314,000 | 36,180,000 |
| Noninterest income | 2,498,000 | 5,048,000 | 7,292,000 | 9,937,000 |
| Noninterest expense | 10,290,000 | 19,112,000 | 27,519,000 | 36,365,000 |
| Provision for loan losses | 1,050,000 | 2,200,000 | 3,360,000 | 4,210,000 |
| Pretax income | 699,000 | 2,754,000 | 4,644,000 | 7,051,000 |
| Income tax | 82,000 | 685,000 | 1,232,000 | 1,960,000 |
| Net income | 617,000 | 2,069,000 | 3,412,000 | 5,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,224,000 | 96,290,000 | 98,192,000 | 99,279,000 |
| Total capital | 104,081,000 | 106,267,000 | 107,996,000 | 109,000,000 |
| Risk-weighted assets | 786,598,000 | 796,062,000 | 781,716,000 | 775,198,000 |