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 | 24,130,000 | 23,437,000 | 23,842,000 | 24,463,000 |
| Total loans | 10,668,000 | 11,032,000 | 11,261,000 | 11,278,000 |
| Allowance for loan losses | 170,000 | 172,000 | 209,000 | 196,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,538,000 | 6,023,000 | 5,169,000 | 6,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,649,000 | 18,884,000 | 19,278,000 | 19,905,000 |
| Interest-bearing deposits | 13,114,000 | 12,798,000 | 12,609,000 | 13,082,000 |
| Noninterest-bearing deposits | 6,535,000 | 6,086,000 | 6,669,000 | 6,823,000 |
| Equity capital | 4,423,000 | 4,488,000 | 4,476,000 | 4,523,000 |
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 | 285,000 | 577,000 | 858,000 | 1,142,000 |
| Interest expense | 22,000 | 46,000 | 68,000 | 89,000 |
| Net interest income | 263,000 | 531,000 | 790,000 | 1,053,000 |
| Noninterest income | 40,000 | 87,000 | 140,000 | 183,000 |
| Noninterest expense | 232,000 | 450,000 | 699,000 | 964,000 |
| Provision for loan losses | 9,000 | 18,000 | 71,000 | 71,000 |
| Pretax income | 62,000 | 150,000 | 160,000 | 201,000 |
| Income tax | 22,000 | 45,000 | 67,000 | 59,000 |
| Net income | 40,000 | 105,000 | 93,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,423,000 | 4,488,000 | 4,476,000 | 4,523,000 |
| Total capital | 4,556,000 | 4,620,000 | 4,615,000 | 4,666,000 |
| Risk-weighted assets | 10,607,000 | 10,555,000 | 11,027,000 | 11,392,000 |
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