Call reports 2012
CITIZENS BANK — 2012
What CITIZENS BANK 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 | 453,238,000 | 470,157,000 | 499,896,000 | 500,563,000 |
| Total loans | 299,622,000 | 303,610,000 | 300,051,000 | 303,974,000 |
| Allowance for loan losses | 3,564,000 | 3,653,000 | 3,779,000 | 3,231,000 |
| Securities available for sale | 46,981,000 | 45,700,000 | 47,371,000 | 57,615,000 |
| Securities held to maturity | 1,821,000 | 1,816,000 | 1,262,000 | 1,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,968,000 | 381,351,000 | 408,611,000 | 406,401,000 |
| Interest-bearing deposits | 328,415,000 | 343,749,000 | 365,337,000 | 254,243,000 |
| Noninterest-bearing deposits | 35,553,000 | 37,602,000 | 43,274,000 | 152,158,000 |
| Equity capital | 56,627,000 | 57,793,000 | 59,145,000 | 58,763,000 |
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 | 4,718,000 | 9,570,000 | 14,596,000 | 19,416,000 |
| Interest expense | 176,000 | 346,000 | 524,000 | 695,000 |
| Net interest income | 4,542,000 | 9,224,000 | 14,072,000 | 18,721,000 |
| Noninterest income | 669,000 | 1,451,000 | 2,318,000 | 3,087,000 |
| Noninterest expense | 3,636,000 | 7,210,000 | 10,786,000 | 14,640,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 475,000 |
| Pretax income | 1,500,000 | 3,315,000 | 5,379,000 | 6,693,000 |
| Income tax | 524,000 | 1,173,000 | 1,917,000 | 2,371,000 |
| Net income | 976,000 | 2,142,000 | 3,462,000 | 4,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,613,000 | 57,780,000 | 59,102,000 | 58,719,000 |
| Total capital | 60,346,000 | 61,602,000 | 63,050,000 | 62,127,000 |
| Risk-weighted assets | 343,992,000 | 350,063,000 | 350,267,000 | 359,080,000 |