Call reports 2011
CITIZENS BANK — 2011
What CITIZENS BANK 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 | 423,589,000 | 428,525,000 | 450,858,000 | 448,156,000 |
| Total loans | 311,097,000 | 309,947,000 | 305,593,000 | 294,703,000 |
| Allowance for loan losses | 4,027,000 | 4,211,000 | 4,331,000 | 3,493,000 |
| Securities available for sale | 34,747,000 | 39,508,000 | 47,427,000 | 47,508,000 |
| Securities held to maturity | 1,218,000 | 1,218,000 | 1,218,000 | 2,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,429,000 | 340,504,000 | 359,707,000 | 356,459,000 |
| Interest-bearing deposits | 307,812,000 | 306,398,000 | 326,031,000 | 321,018,000 |
| Noninterest-bearing deposits | 30,617,000 | 34,106,000 | 33,676,000 | 35,441,000 |
| Equity capital | 54,075,000 | 55,308,000 | 55,913,000 | 55,126,000 |
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 | 5,164,000 | 10,301,000 | 15,403,000 | 20,304,000 |
| Interest expense | 237,000 | 470,000 | 688,000 | 877,000 |
| Net interest income | 4,927,000 | 9,831,000 | 14,715,000 | 19,427,000 |
| Noninterest income | 633,000 | 1,352,000 | 2,219,000 | 3,044,000 |
| Noninterest expense | 3,836,000 | 7,294,000 | 10,672,000 | 14,088,000 |
| Provision for loan losses | 300,000 | 600,000 | 825,000 | 1,050,000 |
| Pretax income | 1,432,000 | 3,297,000 | 5,445,000 | 7,341,000 |
| Income tax | 505,000 | 1,180,000 | 1,969,000 | 2,576,000 |
| Net income | 927,000 | 2,117,000 | 3,476,000 | 4,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,046,000 | 55,235,000 | 55,843,000 | 55,079,000 |
| Total capital | 58,242,000 | 59,597,000 | 60,131,000 | 58,741,000 |
| Risk-weighted assets | 350,129,000 | 348,961,000 | 342,791,000 | 334,384,000 |
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