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 | 25,594,000 | 24,764,000 | 24,910,000 | 26,480,000 |
| Total loans | 11,220,000 | 11,630,000 | 11,959,000 | 11,871,000 |
| Allowance for loan losses | 213,000 | 218,000 | 206,000 | 215,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,593,000 | 6,399,000 | 4,990,000 | 5,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,998,000 | 20,111,000 | 20,174,000 | 21,751,000 |
| Interest-bearing deposits | 13,405,000 | 13,324,000 | 12,870,000 | 13,851,000 |
| Noninterest-bearing deposits | 7,593,000 | 6,787,000 | 7,304,000 | 7,900,000 |
| Equity capital | 4,554,000 | 4,586,000 | 4,635,000 | 4,657,000 |
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 | 270,000 | 552,000 | 823,000 | 1,099,000 |
| Interest expense | 19,000 | 36,000 | 52,000 | 66,000 |
| Net interest income | 251,000 | 516,000 | 771,000 | 1,033,000 |
| Noninterest income | 37,000 | 74,000 | 115,000 | 152,000 |
| Noninterest expense | 233,000 | 479,000 | 699,000 | 942,000 |
| Provision for loan losses | 9,000 | 18,000 | 30,000 | 45,000 |
| Pretax income | 46,000 | 93,000 | 157,000 | 198,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 59,000 |
| Net income | 31,000 | 63,000 | 112,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,554,000 | 4,586,000 | 4,635,000 | 4,657,000 |
| Total capital | 4,698,000 | 4,731,000 | 4,784,000 | 4,810,000 |
| Risk-weighted assets | 11,472,000 | 11,523,000 | 11,888,000 | 12,087,000 |
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