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 | 283,208,000 | 288,303,000 | 286,606,000 | 287,297,000 |
| Total loans | 205,935,000 | 208,085,000 | 207,934,000 | 199,267,000 |
| Allowance for loan losses | 4,436,000 | 5,274,000 | 4,614,000 | 4,279,000 |
| Securities available for sale | 2,626,000 | 3,607,000 | 2,577,000 | 2,557,000 |
| Securities held to maturity | 17,157,000 | 14,590,000 | 17,608,000 | 27,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,167,000 | 252,632,000 | 256,388,000 | 257,512,000 |
| Interest-bearing deposits | 221,045,000 | 225,798,000 | 230,226,000 | 231,017,000 |
| Noninterest-bearing deposits | 26,122,000 | 26,834,000 | 26,162,000 | 26,495,000 |
| Equity capital | 27,461,000 | 27,008,000 | 26,699,000 | 26,436,000 |
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 | 3,035,000 | 6,259,000 | 9,414,000 | 12,499,000 |
| Interest expense | 1,000,000 | 1,988,000 | 2,955,000 | 3,840,000 |
| Net interest income | 2,035,000 | 4,271,000 | 6,459,000 | 8,659,000 |
| Noninterest income | 108,000 | 390,000 | 708,000 | 277,000 |
| Noninterest expense | 1,602,000 | 3,209,000 | 4,828,000 | 6,457,000 |
| Provision for loan losses | 929,000 | 2,295,000 | 3,494,000 | 3,894,000 |
| Pretax income | -388,000 | -843,000 | -1,155,000 | -1,415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -388,000 | -843,000 | -1,155,000 | -1,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,435,000 | 26,995,000 | 26,696,000 | 26,433,000 |
| Total capital | 30,016,000 | 29,631,000 | 29,304,000 | 28,959,000 |
| Risk-weighted assets | 204,595,000 | 208,258,000 | 206,597,000 | 200,293,000 |