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 | 666,190,000 | 672,978,000 | 687,667,000 | 687,850,000 |
| Total loans | 454,171,000 | 439,636,000 | 428,389,000 | 418,059,000 |
| Allowance for loan losses | 9,538,000 | 9,456,000 | 10,377,000 | 7,473,000 |
| Securities available for sale | 83,612,000 | 91,588,000 | 93,252,000 | 96,993,000 |
| Securities held to maturity | 28,768,000 | 26,989,000 | 26,883,000 | 26,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,503,000 | 597,511,000 | 610,665,000 | 610,097,000 |
| Interest-bearing deposits | 516,247,000 | 520,758,000 | 531,586,000 | 532,978,000 |
| Noninterest-bearing deposits | 75,256,000 | 76,752,000 | 79,078,000 | 77,119,000 |
| Equity capital | 73,826,000 | 74,799,000 | 76,093,000 | 75,974,000 |
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 | 6,423,000 | 12,724,000 | 18,995,000 | 25,100,000 |
| Interest expense | 1,062,000 | 2,072,000 | 3,040,000 | 3,921,000 |
| Net interest income | 5,361,000 | 10,652,000 | 15,955,000 | 21,179,000 |
| Noninterest income | 1,155,000 | 2,585,000 | 4,036,000 | 5,589,000 |
| Noninterest expense | 4,094,000 | 8,042,000 | 11,959,000 | 16,011,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 3,150,000 | 4,200,000 |
| Pretax income | 1,372,000 | 3,095,000 | 4,922,000 | 6,639,000 |
| Income tax | 415,000 | 989,000 | 1,553,000 | 2,071,000 |
| Net income | 957,000 | 2,106,000 | 3,369,000 | 4,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,358,000 | 74,300,000 | 75,560,000 | 76,309,000 |
| Total capital | 78,651,000 | 79,500,000 | 80,633,000 | 81,312,000 |
| Risk-weighted assets | 419,163,000 | 411,743,000 | 400,544,000 | 397,593,000 |