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 | 510,498,000 | 505,629,000 | 510,960,000 | 510,439,000 |
| Total loans | 232,259,000 | 227,975,000 | 223,287,000 | 218,566,000 |
| Allowance for loan losses | 4,602,000 | 5,397,000 | 3,951,000 | 4,756,000 |
| Securities available for sale | 30,985,000 | 34,514,000 | 42,366,000 | 47,181,000 |
| Securities held to maturity | 205,466,000 | 202,360,000 | 201,948,000 | 209,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,366,000 | 417,708,000 | 420,159,000 | 426,800,000 |
| Interest-bearing deposits | 375,071,000 | 371,814,000 | 375,543,000 | 379,433,000 |
| Noninterest-bearing deposits | 50,295,000 | 45,894,000 | 44,616,000 | 47,367,000 |
| Equity capital | 83,445,000 | 86,144,000 | 88,979,000 | 82,070,000 |
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 | 6,184,000 | 12,111,000 | 17,973,000 | 23,700,000 |
| Interest expense | 845,000 | 1,639,000 | 2,416,000 | 3,165,000 |
| Net interest income | 5,339,000 | 10,472,000 | 15,557,000 | 20,535,000 |
| Noninterest income | 304,000 | 914,000 | 1,708,000 | 2,468,000 |
| Noninterest expense | 2,015,000 | 3,787,000 | 5,503,000 | 7,848,000 |
| Provision for loan losses | 1,567,000 | 2,641,000 | 3,139,000 | 4,126,000 |
| Pretax income | 2,061,000 | 4,978,000 | 8,684,000 | 11,091,000 |
| Income tax | 0 | 564,000 | 1,351,000 | 1,611,000 |
| Net income | 2,061,000 | 4,414,000 | 7,333,000 | 9,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,530,000 | 85,890,000 | 88,810,000 | 81,959,000 |
| Total capital | 87,553,000 | 89,864,000 | 92,755,000 | 85,903,000 |
| Risk-weighted assets | 321,266,000 | 316,505,000 | 315,618,000 | 314,714,000 |