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 | 625,285,000 | 612,413,000 | 627,147,000 | 650,838,000 |
| Total loans | 443,338,000 | 420,573,000 | 428,810,000 | 456,267,000 |
| Allowance for loan losses | 8,784,000 | 7,816,000 | 8,310,000 | 8,727,000 |
| Securities available for sale | 70,961,000 | 76,047,000 | 78,592,000 | 81,297,000 |
| Securities held to maturity | 32,084,000 | 29,962,000 | 28,914,000 | 30,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,695,000 | 540,273,000 | 553,477,000 | 577,438,000 |
| Interest-bearing deposits | 494,193,000 | 476,238,000 | 480,440,000 | 498,780,000 |
| Noninterest-bearing deposits | 60,502,000 | 64,035,000 | 73,037,000 | 78,658,000 |
| Equity capital | 69,579,000 | 70,855,000 | 72,300,000 | 72,945,000 |
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 | 6,505,000 | 12,904,000 | 19,421,000 | 26,023,000 |
| Interest expense | 1,362,000 | 2,616,000 | 3,798,000 | 4,915,000 |
| Net interest income | 5,143,000 | 10,288,000 | 15,623,000 | 21,108,000 |
| Noninterest income | 662,000 | 1,543,000 | 2,893,000 | 4,381,000 |
| Noninterest expense | 4,186,000 | 8,136,000 | 11,934,000 | 16,478,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 2,400,000 | 3,400,000 |
| Pretax income | 1,019,000 | 2,495,000 | 4,182,000 | 5,611,000 |
| Income tax | 30,000 | 728,000 | 1,171,000 | 1,649,000 |
| Net income | 989,000 | 1,767,000 | 3,011,000 | 3,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,842,000 | 70,629,000 | 71,876,000 | 72,639,000 |
| Total capital | 75,144,000 | 75,832,000 | 77,154,000 | 77,994,000 |
| Risk-weighted assets | 420,669,000 | 413,573,000 | 419,228,000 | 424,970,000 |
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