Call reports 2011
CITIZENS BANK, THE — 2011
What CITIZENS BANK, THE 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 | 117,078,000 | 114,675,000 | 118,114,000 | 117,274,000 |
| Total loans | 69,879,000 | 72,787,000 | 74,780,000 | 73,410,000 |
| Allowance for loan losses | 796,000 | 786,000 | 687,000 | 643,000 |
| Securities available for sale | 31,659,000 | 31,064,000 | 28,143,000 | 25,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,040,000 | 96,120,000 | 95,287,000 | 96,697,000 |
| Interest-bearing deposits | 77,830,000 | 75,549,000 | 75,384,000 | 78,064,000 |
| Noninterest-bearing deposits | 21,210,000 | 20,571,000 | 19,903,000 | 18,633,000 |
| Equity capital | 10,777,000 | 11,445,000 | 11,863,000 | 11,444,000 |
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 | 1,341,000 | 2,753,000 | 4,152,000 | 5,453,000 |
| Interest expense | 315,000 | 633,000 | 952,000 | 1,269,000 |
| Net interest income | 1,026,000 | 2,120,000 | 3,200,000 | 4,184,000 |
| Noninterest income | 326,000 | 662,000 | 987,000 | 1,334,000 |
| Noninterest expense | 1,143,000 | 2,323,000 | 3,469,000 | 4,526,000 |
| Provision for loan losses | 40,000 | 63,000 | 108,000 | 253,000 |
| Pretax income | 169,000 | 396,000 | 610,000 | 739,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 396,000 | 610,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,541,000 | 8,634,000 | 8,750,000 | 8,744,000 |
| Total capital | 9,337,000 | 9,420,000 | 9,437,000 | 9,387,000 |
| Risk-weighted assets | 65,063,000 | 65,747,000 | 68,040,000 | 65,776,000 |