Call reports 2012
CITIZENS BANK, THE — 2012
What CITIZENS BANK, THE 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 | 120,107,000 | 121,780,000 | 119,432,000 | 121,044,000 |
| Total loans | 72,540,000 | 74,500,000 | 74,943,000 | 76,585,000 |
| Allowance for loan losses | 712,000 | 687,000 | 688,000 | 668,000 |
| Securities available for sale | 27,831,000 | 29,322,000 | 28,862,000 | 27,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,831,000 | 98,619,000 | 99,413,000 | 100,039,000 |
| Interest-bearing deposits | 76,732,000 | 76,749,000 | 76,528,000 | 77,702,000 |
| Noninterest-bearing deposits | 23,099,000 | 21,870,000 | 22,885,000 | 22,337,000 |
| Equity capital | 11,637,000 | 12,006,000 | 12,204,000 | 12,087,000 |
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 | 1,285,000 | 2,550,000 | 3,854,000 | 5,113,000 |
| Interest expense | 305,000 | 569,000 | 815,000 | 1,047,000 |
| Net interest income | 980,000 | 1,981,000 | 3,039,000 | 4,066,000 |
| Noninterest income | 328,000 | 625,000 | 942,000 | 1,273,000 |
| Noninterest expense | 1,059,000 | 2,149,000 | 3,163,000 | 4,255,000 |
| Provision for loan losses | 57,000 | 189,000 | 201,000 | 228,000 |
| Pretax income | 152,000 | 250,000 | 599,000 | 838,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 455,000 | 804,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,857,000 | 9,051,000 | 9,084,000 | 9,149,000 |
| Total capital | 9,569,000 | 9,738,000 | 9,772,000 | 9,817,000 |
| Risk-weighted assets | 64,476,000 | 66,078,000 | 65,553,000 | 66,977,000 |