Call reports 2011
CITIZENS BANK — 2011
What CITIZENS BANK 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 | 173,032,000 | 171,225,000 | 167,250,000 | 166,684,000 |
| Total loans | 134,630,000 | 135,200,000 | 133,591,000 | 132,814,000 |
| Allowance for loan losses | 5,330,000 | 4,665,000 | 4,255,000 | 4,489,000 |
| Securities available for sale | 12,366,000 | 12,364,000 | 12,747,000 | 12,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,427,000 | 148,471,000 | 145,022,000 | 144,700,000 |
| Interest-bearing deposits | 121,888,000 | 118,679,000 | 113,620,000 | 114,509,000 |
| Noninterest-bearing deposits | 28,539,000 | 29,792,000 | 31,403,000 | 30,191,000 |
| Equity capital | 20,624,000 | 20,699,000 | 20,199,000 | 19,982,000 |
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 | 1,959,000 | 3,967,000 | 5,900,000 | 7,861,000 |
| Interest expense | 360,000 | 685,000 | 976,000 | 1,245,000 |
| Net interest income | 1,599,000 | 3,282,000 | 4,924,000 | 6,616,000 |
| Noninterest income | 210,000 | 412,000 | 672,000 | 950,000 |
| Noninterest expense | 1,296,000 | 2,551,000 | 3,746,000 | 4,980,000 |
| Provision for loan losses | 400,000 | 892,000 | 2,450,000 | 3,500,000 |
| Pretax income | 113,000 | 251,000 | -600,000 | -914,000 |
| Income tax | 21,000 | 60,000 | -262,000 | -378,000 |
| Net income | 92,000 | 191,000 | -338,000 | -536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,361,000 | 20,580,000 | 19,361,000 | 19,802,000 |
| Total capital | 22,376,000 | 22,491,000 | 21,142,000 | 21,572,000 |
| Risk-weighted assets | 157,920,000 | 150,115,000 | 140,020,000 | 138,876,000 |