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 | 554,422,000 | 542,777,000 | 546,474,000 | 546,457,000 |
| Total loans | 314,594,000 | 312,055,000 | 304,024,000 | 293,380,000 |
| Allowance for loan losses | 7,707,000 | 7,740,000 | 7,457,000 | 6,379,000 |
| Securities available for sale | 134,670,000 | 124,427,000 | 134,161,000 | 208,420,000 |
| Securities held to maturity | 66,680,000 | 65,561,000 | 64,150,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,439,000 | 430,190,000 | 433,797,000 | 437,976,000 |
| Interest-bearing deposits | 413,718,000 | 392,550,000 | 391,774,000 | 397,875,000 |
| Noninterest-bearing deposits | 37,721,000 | 37,640,000 | 42,023,000 | 40,101,000 |
| Equity capital | 56,806,000 | 58,985,000 | 60,575,000 | 60,834,000 |
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 | 6,481,000 | 13,030,000 | 19,358,000 | 25,076,000 |
| Interest expense | 1,412,000 | 2,779,000 | 4,076,000 | 5,314,000 |
| Net interest income | 5,069,000 | 10,251,000 | 15,282,000 | 19,762,000 |
| Noninterest income | 734,000 | 1,515,000 | 2,284,000 | 3,368,000 |
| Noninterest expense | 3,532,000 | 7,082,000 | 10,706,000 | 14,227,000 |
| Provision for loan losses | 450,000 | 770,000 | 1,082,000 | 1,300,000 |
| Pretax income | 1,803,000 | 3,853,000 | 5,717,000 | 7,540,000 |
| Income tax | 509,000 | 1,053,000 | 1,500,000 | 1,902,000 |
| Net income | 1,294,000 | 2,800,000 | 4,217,000 | 5,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,700,000 | 56,214,000 | 57,588,000 | 57,294,000 |
| Total capital | 58,639,000 | 60,119,000 | 61,380,000 | 60,964,000 |
| Risk-weighted assets | 311,334,000 | 308,529,000 | 299,707,000 | 290,883,000 |