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 | 374,515,000 | 371,091,000 | 376,840,000 | 383,101,000 |
| Total loans | 224,946,000 | 226,979,000 | 229,797,000 | 228,056,000 |
| Allowance for loan losses | 4,391,000 | 4,506,000 | 4,407,000 | 4,529,000 |
| Securities available for sale | 44,028,000 | 43,351,000 | 41,177,000 | 45,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,446,000 | 327,382,000 | 332,516,000 | 339,048,000 |
| Interest-bearing deposits | 273,641,000 | 271,410,000 | 274,737,000 | 278,021,000 |
| Noninterest-bearing deposits | 56,805,000 | 55,972,000 | 57,779,000 | 61,027,000 |
| Equity capital | 33,844,000 | 34,755,000 | 35,320,000 | 35,155,000 |
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 | 3,912,000 | 7,792,000 | 11,659,000 | 15,451,000 |
| Interest expense | 531,000 | 1,028,000 | 1,483,000 | 1,918,000 |
| Net interest income | 3,381,000 | 6,764,000 | 10,176,000 | 13,533,000 |
| Noninterest income | 1,022,000 | 2,102,000 | 2,962,000 | 3,804,000 |
| Noninterest expense | 3,133,000 | 6,225,000 | 9,254,000 | 12,470,000 |
| Provision for loan losses | 290,000 | 550,000 | 795,000 | 1,260,000 |
| Pretax income | 980,000 | 2,091,000 | 3,089,000 | 3,607,000 |
| Income tax | 341,000 | 732,000 | 1,083,000 | 1,268,000 |
| Net income | 639,000 | 1,359,000 | 2,006,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,549,000 | 30,311,000 | 31,002,000 | 30,876,000 |
| Total capital | 32,350,000 | 33,117,000 | 33,838,000 | 33,705,000 |
| Risk-weighted assets | 222,518,000 | 222,779,000 | 225,270,000 | 224,645,000 |
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