Call reports 2011
CITIZENS BANK COMPANY, THE — 2011
What CITIZENS BANK COMPANY, 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 | 91,090,000 | 91,987,000 | 93,301,000 | 94,356,000 |
| Total loans | 49,352,000 | 49,242,000 | 49,741,000 | 48,906,000 |
| Allowance for loan losses | 612,000 | 586,000 | 593,000 | 594,000 |
| Securities available for sale | 37,171,000 | 38,319,000 | 39,750,000 | 40,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,877,000 | 77,668,000 | 78,716,000 | 79,888,000 |
| Interest-bearing deposits | 68,341,000 | 68,360,000 | 69,028,000 | 68,420,000 |
| Noninterest-bearing deposits | 9,536,000 | 9,308,000 | 9,688,000 | 11,468,000 |
| Equity capital | 10,190,000 | 10,892,000 | 11,253,000 | 11,452,000 |
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 | 1,139,000 | 2,249,000 | 3,356,000 | 4,476,000 |
| Interest expense | 238,000 | 459,000 | 668,000 | 855,000 |
| Net interest income | 901,000 | 1,790,000 | 2,688,000 | 3,621,000 |
| Noninterest income | 119,000 | 244,000 | 383,000 | 507,000 |
| Noninterest expense | 736,000 | 1,440,000 | 2,180,000 | 2,896,000 |
| Provision for loan losses | 15,000 | 32,000 | 47,000 | 117,000 |
| Pretax income | 304,000 | 607,000 | 917,000 | 1,193,000 |
| Income tax | 77,000 | 152,000 | 220,000 | 230,000 |
| Net income | 227,000 | 455,000 | 697,000 | 963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,260,000 | 10,452,000 | 10,304,000 | 10,459,000 |
| Total capital | 10,872,000 | 11,038,000 | 10,897,000 | 11,053,000 |
| Risk-weighted assets | 51,893,000 | 52,608,000 | 52,651,000 | 52,065,000 |