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 | 153,666,000 | 154,163,000 | 151,787,000 | 148,218,000 |
| Total loans | 109,170,000 | 106,612,000 | 104,589,000 | 101,733,000 |
| Allowance for loan losses | 1,370,000 | 1,412,000 | 1,312,000 | 1,298,000 |
| Securities available for sale | 22,873,000 | 24,190,000 | 23,974,000 | 21,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,514,000 | 139,762,000 | 137,416,000 | 133,936,000 |
| Interest-bearing deposits | 115,354,000 | 114,930,000 | 111,352,000 | 108,732,000 |
| Noninterest-bearing deposits | 24,160,000 | 24,832,000 | 26,064,000 | 25,204,000 |
| Equity capital | 13,321,000 | 13,474,000 | 12,403,000 | 11,938,000 |
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 | 1,788,000 | 3,513,000 | 5,205,000 | 6,877,000 |
| Interest expense | 258,000 | 497,000 | 709,000 | 887,000 |
| Net interest income | 1,530,000 | 3,016,000 | 4,496,000 | 5,990,000 |
| Noninterest income | 162,000 | 276,000 | 471,000 | 580,000 |
| Noninterest expense | 1,448,000 | 2,997,000 | 5,667,000 | 7,604,000 |
| Provision for loan losses | 219,000 | 291,000 | 410,000 | 410,000 |
| Pretax income | 82,000 | 258,000 | -856,000 | -1,190,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 258,000 | -856,000 | -1,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,811,000 | 12,989,000 | 11,875,000 | 11,541,000 |
| Total capital | 14,181,000 | 14,322,000 | 13,178,000 | 12,798,000 |
| Risk-weighted assets | 109,635,000 | 106,576,000 | 104,214,000 | 100,457,000 |