Call reports 2011
CITIZENS BANK — 2011
What CITIZENS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 315,291,000 | 315,016,000 | 325,628,000 | 337,974,000 |
| Total loans | 172,354,000 | 167,486,000 | 164,987,000 | 160,332,000 |
| Allowance for loan losses | 4,238,000 | 2,342,000 | 2,368,000 | 2,450,000 |
| Securities available for sale | 11,206,000 | 19,697,000 | 26,852,000 | 26,860,000 |
| Securities held to maturity | 12,714,000 | 9,861,000 | 9,601,000 | 9,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,039,000 | 282,837,000 | 292,912,000 | 305,146,000 |
| Interest-bearing deposits | 199,084,000 | 193,263,000 | 265,156,000 | 208,664,000 |
| Noninterest-bearing deposits | 83,956,000 | 89,574,000 | 27,756,000 | 96,482,000 |
| Equity capital | 31,014,000 | 31,181,000 | 31,512,000 | 31,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,935,000 | 5,891,000 | 8,871,000 | 11,877,000 |
| Interest expense | 380,000 | 716,000 | 1,016,000 | 1,295,000 |
| Net interest income | 2,555,000 | 5,175,000 | 7,855,000 | 10,582,000 |
| Noninterest income | 393,000 | 783,000 | 1,361,000 | 1,993,000 |
| Noninterest expense | 2,744,000 | 5,460,000 | 8,228,000 | 10,952,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 129,000 | 348,000 | 763,000 | 1,323,000 |
| Income tax | 39,000 | 109,000 | 249,000 | 438,000 |
| Net income | 90,000 | 239,000 | 514,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,618,000 | 30,767,000 | 31,043,000 | 31,413,000 |
| Total capital | 33,153,000 | 33,109,000 | 33,411,000 | 33,863,000 |
| Risk-weighted assets | 203,463,000 | 201,166,000 | 204,479,000 | 202,278,000 |