Call reports 2012
CITIZENS BANK COMPANY, THE — 2012
What CITIZENS BANK COMPANY, 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 | 98,080,000 | 97,569,000 | 103,885,000 | 105,549,000 |
| Total loans | 48,518,000 | 49,426,000 | 50,568,000 | 52,986,000 |
| Allowance for loan losses | 675,000 | 697,000 | 703,000 | 817,000 |
| Securities available for sale | 41,902,000 | 41,946,000 | 42,619,000 | 44,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,088,000 | 82,806,000 | 88,637,000 | 90,238,000 |
| Interest-bearing deposits | 71,485,000 | 70,639,000 | 75,724,000 | 74,464,000 |
| Noninterest-bearing deposits | 12,603,000 | 12,167,000 | 12,913,000 | 15,774,000 |
| Equity capital | 11,862,000 | 12,460,000 | 12,888,000 | 12,989,000 |
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 | 1,120,000 | 2,204,000 | 3,290,000 | 4,431,000 |
| Interest expense | 154,000 | 286,000 | 409,000 | 533,000 |
| Net interest income | 966,000 | 1,918,000 | 2,881,000 | 3,898,000 |
| Noninterest income | 149,000 | 275,000 | 409,000 | 544,000 |
| Noninterest expense | 693,000 | 1,350,000 | 2,083,000 | 2,795,000 |
| Provision for loan losses | 0 | 20,000 | 27,000 | 212,000 |
| Pretax income | 430,000 | 838,000 | 1,196,000 | 1,485,000 |
| Income tax | 135,000 | 234,000 | 300,000 | 312,000 |
| Net income | 295,000 | 604,000 | 896,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,730,000 | 11,000,000 | 11,268,000 | 11,415,000 |
| Total capital | 11,386,000 | 11,657,000 | 11,947,000 | 12,128,000 |
| Risk-weighted assets | 52,479,000 | 52,495,000 | 54,309,000 | 56,905,000 |