Call reports 2012
CITIZENS BANK — 2012
What CITIZENS 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 | 326,072,000 | 322,865,000 | 329,101,000 | 348,618,000 |
| Total loans | 159,229,000 | 161,012,000 | 160,635,000 | 163,199,000 |
| Allowance for loan losses | 2,590,000 | 3,057,000 | 3,130,000 | 3,185,000 |
| Securities available for sale | 37,678,000 | 37,476,000 | 35,424,000 | 35,146,000 |
| Securities held to maturity | 9,027,000 | 8,730,000 | 8,447,000 | 8,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,946,000 | 287,771,000 | 293,769,000 | 311,581,000 |
| Interest-bearing deposits | 194,271,000 | 187,145,000 | 187,050,000 | 199,342,000 |
| Noninterest-bearing deposits | 97,675,000 | 100,626,000 | 106,719,000 | 112,239,000 |
| Equity capital | 32,657,000 | 33,234,000 | 33,775,000 | 34,089,000 |
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 | 2,777,000 | 5,696,000 | 8,577,000 | 11,437,000 |
| Interest expense | 255,000 | 481,000 | 672,000 | 853,000 |
| Net interest income | 2,522,000 | 5,215,000 | 7,905,000 | 10,584,000 |
| Noninterest income | 1,501,000 | 1,804,000 | 2,176,000 | 2,651,000 |
| Noninterest expense | 2,456,000 | 4,962,000 | 7,467,000 | 9,925,000 |
| Provision for loan losses | 75,000 | -150,000 | -77,000 | 0 |
| Pretax income | 1,492,000 | 2,207,000 | 2,691,000 | 3,310,000 |
| Income tax | 503,000 | 742,000 | 902,000 | 1,108,000 |
| Net income | 989,000 | 1,465,000 | 1,789,000 | 2,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,402,000 | 32,878,000 | 33,202,000 | 33,614,000 |
| Total capital | 34,894,000 | 35,317,000 | 35,698,000 | 36,188,000 |
| Risk-weighted assets | 198,530,000 | 193,703,000 | 199,022,000 | 204,537,000 |