Call reports 2012
CITIZENS BANK — 2012
What CITIZENS BANK 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 | 175,926,000 | 172,970,000 | 170,124,000 | 169,577,000 |
| Total loans | 132,711,000 | 128,574,000 | 125,074,000 | 124,871,000 |
| Allowance for loan losses | 4,662,000 | 5,164,000 | 5,302,000 | 5,306,000 |
| Securities available for sale | 15,836,000 | 16,442,000 | 13,718,000 | 13,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,814,000 | 150,712,000 | 147,569,000 | 146,955,000 |
| Interest-bearing deposits | 121,117,000 | 119,367,000 | 116,603,000 | 114,992,000 |
| Noninterest-bearing deposits | 32,697,000 | 31,345,000 | 30,965,000 | 31,963,000 |
| Equity capital | 20,130,000 | 20,165,000 | 20,326,000 | 20,359,000 |
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 | 1,858,000 | 3,654,000 | 5,421,000 | 7,131,000 |
| Interest expense | 261,000 | 493,000 | 711,000 | 895,000 |
| Net interest income | 1,597,000 | 3,161,000 | 4,710,000 | 6,236,000 |
| Noninterest income | 247,000 | 572,000 | 1,057,000 | 1,433,000 |
| Noninterest expense | 1,287,000 | 2,578,000 | 3,936,000 | 5,348,000 |
| Provision for loan losses | 400,000 | 850,000 | 1,300,000 | 1,625,000 |
| Pretax income | 157,000 | 305,000 | 531,000 | 696,000 |
| Income tax | 36,000 | 68,000 | 132,000 | 175,000 |
| Net income | 121,000 | 237,000 | 399,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,092,000 | 19,585,000 | 19,172,000 | 19,108,000 |
| Total capital | 21,021,000 | 21,476,000 | 21,152,000 | 21,122,000 |
| Risk-weighted assets | 151,571,000 | 148,032,000 | 155,109,000 | 157,795,000 |