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 | 88,771,000 | 89,112,000 | 89,292,000 | 89,457,000 |
| Total loans | 36,642,000 | 40,098,000 | 37,863,000 | 39,235,000 |
| Allowance for loan losses | 1,027,000 | 1,022,000 | 1,022,000 | 1,054,000 |
| Securities available for sale | 35,045,000 | 35,026,000 | 33,152,000 | 37,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,038,000 | 80,113,000 | 79,716,000 | 79,908,000 |
| Interest-bearing deposits | 47,054,000 | 49,076,000 | 46,555,000 | 49,659,000 |
| Noninterest-bearing deposits | 32,983,000 | 31,036,000 | 33,161,000 | 30,249,000 |
| Equity capital | 8,534,000 | 8,777,000 | 9,213,000 | 9,305,000 |
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 | 735,000 | 1,471,000 | 2,237,000 | 3,035,000 |
| Interest expense | 79,000 | 158,000 | 240,000 | 317,000 |
| Net interest income | 656,000 | 1,313,000 | 1,997,000 | 2,718,000 |
| Noninterest income | 190,000 | 481,000 | 641,000 | 842,000 |
| Noninterest expense | 652,000 | 1,486,000 | 2,228,000 | 3,025,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 345,000 | 487,000 | 612,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 226,000 | 345,000 | 487,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,576,000 | 8,780,000 | 8,928,000 | 9,187,000 |
| Total capital | 9,136,000 | 9,362,000 | 9,501,000 | 9,776,000 |
| Risk-weighted assets | 44,349,000 | 46,131,000 | 45,394,000 | 46,688,000 |
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