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 | 505,770,000 | 502,863,000 | 502,229,000 | 501,147,000 |
| Total loans | 257,683,000 | 249,649,000 | 245,707,000 | 239,635,000 |
| Allowance for loan losses | 3,507,000 | 3,569,000 | 3,660,000 | 3,177,000 |
| Securities available for sale | 23,956,000 | 19,993,000 | 21,650,000 | 18,542,000 |
| Securities held to maturity | 189,713,000 | 190,698,000 | 197,727,000 | 206,773,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,386,000 | 417,667,000 | 413,935,000 | 410,635,000 |
| Interest-bearing deposits | 380,769,000 | 378,083,000 | 374,484,000 | 369,745,000 |
| Noninterest-bearing deposits | 42,617,000 | 39,584,000 | 39,451,000 | 40,890,000 |
| Equity capital | 80,535,000 | 83,664,000 | 86,641,000 | 88,758,000 |
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 | 6,426,000 | 12,816,000 | 19,022,000 | 25,058,000 |
| Interest expense | 1,105,000 | 2,120,000 | 3,087,000 | 4,001,000 |
| Net interest income | 5,321,000 | 10,696,000 | 15,935,000 | 21,057,000 |
| Noninterest income | 596,000 | 1,156,000 | 1,757,000 | 2,431,000 |
| Noninterest expense | 1,979,000 | 3,744,000 | 5,753,000 | 8,050,000 |
| Provision for loan losses | 711,000 | 935,000 | 1,110,000 | 2,305,000 |
| Pretax income | 3,227,000 | 7,173,000 | 10,886,000 | 13,190,000 |
| Income tax | 619,000 | 1,470,000 | 2,260,000 | 2,394,000 |
| Net income | 2,608,000 | 5,703,000 | 8,626,000 | 10,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,443,000 | 83,545,000 | 86,484,000 | 88,665,000 |
| Total capital | 83,950,000 | 87,114,000 | 90,144,000 | 91,842,000 |
| Risk-weighted assets | 334,459,000 | 328,812,000 | 327,023,000 | 325,863,000 |