Call reports 2012
CITIZENS BANK, THE — 2012
What CITIZENS BANK, THE 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 | 169,263,000 | 170,422,000 | 166,817,000 | 172,397,000 |
| Total loans | 44,379,000 | 45,720,000 | 45,251,000 | 43,401,000 |
| Allowance for loan losses | 1,187,000 | 1,225,000 | 1,228,000 | 1,247,000 |
| Securities available for sale | 33,862,000 | 18,931,000 | 11,952,000 | 16,441,000 |
| Securities held to maturity | 78,915,000 | 83,069,000 | 79,009,000 | 68,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,999,000 | 141,680,000 | 137,780,000 | 143,109,000 |
| Interest-bearing deposits | 130,462,000 | 131,368,000 | 127,999,000 | 131,980,000 |
| Noninterest-bearing deposits | 10,537,000 | 10,312,000 | 9,781,000 | 11,129,000 |
| Equity capital | 27,750,000 | 28,176,000 | 28,775,000 | 28,947,000 |
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 | 1,715,000 | 3,404,000 | 4,986,000 | 6,461,000 |
| Interest expense | 424,000 | 810,000 | 1,147,000 | 1,440,000 |
| Net interest income | 1,291,000 | 2,594,000 | 3,839,000 | 5,021,000 |
| Noninterest income | 133,000 | 267,000 | 429,000 | 754,000 |
| Noninterest expense | 533,000 | 1,017,000 | 1,562,000 | 2,507,000 |
| Provision for loan losses | 105,000 | 225,000 | 310,000 | 430,000 |
| Pretax income | 783,000 | 1,614,000 | 2,391,000 | 2,833,000 |
| Income tax | 195,000 | 445,000 | 635,000 | 906,000 |
| Net income | 588,000 | 1,169,000 | 1,756,000 | 1,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,622,000 | 27,848,000 | 28,435,000 | 28,606,000 |
| Total capital | 28,409,000 | 28,643,000 | 29,211,000 | 29,314,000 |
| Risk-weighted assets | 62,579,000 | 63,335,000 | 61,623,000 | 56,081,000 |