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 | 9,327,404,000 | 9,391,600,000 | 9,451,412,000 | 9,311,330,000 |
| Total loans | 5,541,689,000 | 5,536,266,000 | 5,460,966,000 | 5,269,695,000 |
| Allowance for loan losses | 153,007,000 | 136,120,000 | 122,125,000 | 110,439,000 |
| Securities available for sale | 1,491,646,000 | 1,478,944,000 | 1,540,960,000 | 1,697,008,000 |
| Securities held to maturity | 1,374,449,000 | 1,296,165,000 | 1,313,504,000 | 1,226,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,545,671,000 | 7,343,055,000 | 7,360,609,000 | 7,237,577,000 |
| Interest-bearing deposits | 5,847,805,000 | 5,536,515,000 | 5,498,827,000 | 5,474,836,000 |
| Noninterest-bearing deposits | 1,697,866,000 | 1,806,540,000 | 1,861,782,000 | 1,762,740,000 |
| Equity capital | 883,802,000 | 1,154,083,000 | 1,186,485,000 | 1,179,053,000 |
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 | 96,754,000 | 191,091,000 | 284,373,000 | 375,129,000 |
| Interest expense | 18,121,000 | 34,296,000 | 49,808,000 | 64,811,000 |
| Net interest income | 78,633,000 | 156,795,000 | 234,565,000 | 310,318,000 |
| Noninterest income | 23,248,000 | 45,503,000 | 67,141,000 | 88,643,000 |
| Noninterest expense | 66,214,000 | 131,628,000 | 196,174,000 | 260,373,000 |
| Provision for loan losses | 8,397,000 | 13,696,000 | 18,891,000 | 23,205,000 |
| Pretax income | 27,270,000 | 56,974,000 | 86,641,000 | 115,383,000 |
| Income tax | 0 | -248,890,000 | -247,069,000 | -243,185,000 |
| Net income | 27,270,000 | 305,864,000 | 333,710,000 | 358,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 798,660,000 | 870,518,000 | 890,718,000 | 891,521,000 |
| Total capital | 872,116,000 | 944,392,000 | 963,970,000 | 962,974,000 |
| Risk-weighted assets | 5,794,977,000 | 5,845,773,000 | 5,809,468,000 | 5,675,405,000 |