Call reports 2011
CITIZENS BANK, THE — 2011
What CITIZENS BANK, THE 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 | 169,987,000 | 169,348,000 | 170,030,000 | 168,611,000 |
| Total loans | 50,665,000 | 50,064,000 | 48,461,000 | 45,757,000 |
| Allowance for loan losses | 1,360,000 | 1,348,000 | 1,057,000 | 1,183,000 |
| Securities available for sale | 6,242,000 | 16,557,000 | 29,407,000 | 38,083,000 |
| Securities held to maturity | 103,285,000 | 92,677,000 | 79,604,000 | 76,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,674,000 | 141,605,000 | 142,435,000 | 140,703,000 |
| Interest-bearing deposits | 132,789,000 | 132,730,000 | 132,850,000 | 131,003,000 |
| Noninterest-bearing deposits | 9,885,000 | 8,875,000 | 9,585,000 | 9,700,000 |
| Equity capital | 26,790,000 | 27,128,000 | 27,287,000 | 27,293,000 |
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 | 1,958,000 | 3,932,000 | 5,932,000 | 7,697,000 |
| Interest expense | 636,000 | 1,215,000 | 1,760,000 | 2,204,000 |
| Net interest income | 1,322,000 | 2,717,000 | 4,172,000 | 5,493,000 |
| Noninterest income | 134,000 | 271,000 | 427,000 | 626,000 |
| Noninterest expense | 576,000 | 1,169,000 | 1,824,000 | 2,750,000 |
| Provision for loan losses | 200,000 | 470,000 | 1,245,000 | 1,565,000 |
| Pretax income | 677,000 | 1,346,000 | 1,553,000 | 1,826,000 |
| Income tax | 172,000 | 348,000 | 418,000 | 341,000 |
| Net income | 505,000 | 998,000 | 1,135,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,719,000 | 26,857,000 | 26,994,000 | 27,034,000 |
| Total capital | 27,574,000 | 27,706,000 | 27,824,000 | 27,843,000 |
| Risk-weighted assets | 67,900,000 | 67,446,000 | 66,157,000 | 64,349,000 |