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 | 153,031,000 | 154,036,000 | 155,535,000 | 152,614,000 |
| Total loans | 107,376,000 | 107,643,000 | 108,103,000 | 108,420,000 |
| Allowance for loan losses | 1,299,000 | 1,279,000 | 1,220,000 | 1,200,000 |
| Securities available for sale | 26,709,000 | 24,559,000 | 25,588,000 | 23,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,739,000 | 139,581,000 | 140,287,000 | 138,331,000 |
| Interest-bearing deposits | 117,272,000 | 116,970,000 | 117,722,000 | 115,121,000 |
| Noninterest-bearing deposits | 21,467,000 | 22,611,000 | 22,565,000 | 23,210,000 |
| Equity capital | 12,849,000 | 12,984,000 | 13,369,000 | 13,387,000 |
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 | 1,891,000 | 3,790,000 | 5,631,000 | 7,450,000 |
| Interest expense | 376,000 | 711,000 | 1,013,000 | 1,302,000 |
| Net interest income | 1,515,000 | 3,079,000 | 4,618,000 | 6,148,000 |
| Noninterest income | 109,000 | 281,000 | 439,000 | 618,000 |
| Noninterest expense | 1,547,000 | 3,120,000 | 4,713,000 | 6,194,000 |
| Provision for loan losses | 10,000 | 611,000 | 635,000 | 674,000 |
| Pretax income | 101,000 | -305,000 | -163,000 | 25,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | -305,000 | -163,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,806,000 | 12,400,000 | 12,544,000 | 12,730,000 |
| Total capital | 14,105,000 | 13,679,000 | 13,764,000 | 13,930,000 |
| Risk-weighted assets | 110,575,000 | 109,688,000 | 110,743,000 | 109,664,000 |