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 | 528,956,000 | 517,676,000 | 530,652,000 | 538,154,000 |
| Total loans | 340,011,000 | 340,583,000 | 325,620,000 | 319,080,000 |
| Allowance for loan losses | 6,729,000 | 6,634,000 | 7,520,000 | 7,608,000 |
| Securities available for sale | 158,571,000 | 145,072,000 | 123,766,000 | 125,198,000 |
| Securities held to maturity | 0 | 500,000 | 42,015,000 | 54,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,081,000 | 417,700,000 | 427,620,000 | 435,559,000 |
| Interest-bearing deposits | 388,340,000 | 378,034,000 | 386,446,000 | 394,975,000 |
| Noninterest-bearing deposits | 40,741,000 | 39,666,000 | 41,174,000 | 40,584,000 |
| Equity capital | 50,961,000 | 53,299,000 | 56,382,000 | 55,833,000 |
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 | 6,545,000 | 13,252,000 | 19,998,000 | 26,589,000 |
| Interest expense | 1,691,000 | 3,290,000 | 4,826,000 | 6,313,000 |
| Net interest income | 4,854,000 | 9,962,000 | 15,172,000 | 20,276,000 |
| Noninterest income | 772,000 | 1,738,000 | 4,999,000 | 5,863,000 |
| Noninterest expense | 3,713,000 | 7,388,000 | 10,991,000 | 14,726,000 |
| Provision for loan losses | 760,000 | 1,166,000 | 2,435,000 | 2,900,000 |
| Pretax income | 1,130,000 | 3,123,000 | 6,722,000 | 8,490,000 |
| Income tax | 262,000 | 882,000 | 2,151,000 | 2,705,000 |
| Net income | 868,000 | 2,241,000 | 4,571,000 | 5,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,636,000 | 51,737,000 | 53,575,000 | 53,397,000 |
| Total capital | 54,849,000 | 55,887,000 | 57,547,000 | 57,347,000 |
| Risk-weighted assets | 334,480,000 | 329,531,000 | 314,167,000 | 312,351,000 |