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 | 280,798,000 | 281,174,000 | 278,275,000 | 286,417,000 |
| Total loans | 200,943,000 | 201,398,000 | 200,026,000 | 197,525,000 |
| Allowance for loan losses | 4,447,000 | 4,643,000 | 3,407,000 | 3,397,000 |
| Securities available for sale | 6,539,000 | 4,595,000 | 8,868,000 | 14,351,000 |
| Securities held to maturity | 19,890,000 | 16,465,000 | 13,798,000 | 13,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,741,000 | 253,414,000 | 249,909,000 | 258,089,000 |
| Interest-bearing deposits | 225,146,000 | 223,455,000 | 213,364,000 | 224,970,000 |
| Noninterest-bearing deposits | 27,595,000 | 29,959,000 | 36,545,000 | 33,119,000 |
| Equity capital | 26,788,000 | 26,595,000 | 27,061,000 | 27,131,000 |
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 | 3,017,000 | 6,022,000 | 9,064,000 | 12,007,000 |
| Interest expense | 794,000 | 1,419,000 | 2,135,000 | 2,815,000 |
| Net interest income | 2,223,000 | 4,603,000 | 6,929,000 | 9,192,000 |
| Noninterest income | 104,000 | -127,000 | -65,000 | -360,000 |
| Noninterest expense | 1,596,000 | 3,234,000 | 5,026,000 | 6,695,000 |
| Provision for loan losses | 375,000 | 1,093,000 | 1,223,000 | 1,448,000 |
| Pretax income | 356,000 | -11,000 | 455,000 | 529,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 356,000 | -11,000 | 455,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,786,000 | 26,586,000 | 27,051,000 | 27,125,000 |
| Total capital | 29,295,000 | 29,327,000 | 29,764,000 | 29,797,000 |
| Risk-weighted assets | 198,754,000 | 217,400,000 | 216,379,000 | 212,996,000 |
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