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 | 136,278,000 | 133,803,000 | 134,672,000 | 135,436,000 |
| Total loans | 96,112,000 | 94,845,000 | 96,066,000 | 97,416,000 |
| Allowance for loan losses | 1,485,000 | 1,638,000 | 1,615,000 | 1,547,000 |
| Securities available for sale | 15,931,000 | 16,940,000 | 16,774,000 | 17,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,553,000 | 106,953,000 | 110,346,000 | 111,400,000 |
| Interest-bearing deposits | 97,152,000 | 95,669,000 | 99,554,000 | 99,162,000 |
| Noninterest-bearing deposits | 12,401,000 | 11,284,000 | 10,792,000 | 12,238,000 |
| Equity capital | 14,302,000 | 14,538,000 | 14,980,000 | 14,627,000 |
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 | 1,756,000 | 3,469,000 | 5,177,000 | 6,946,000 |
| Interest expense | 389,000 | 761,000 | 1,115,000 | 1,427,000 |
| Net interest income | 1,367,000 | 2,708,000 | 4,062,000 | 5,519,000 |
| Noninterest income | 187,000 | 316,000 | 731,000 | 944,000 |
| Noninterest expense | 1,192,000 | 2,326,000 | 3,494,000 | 4,718,000 |
| Provision for loan losses | 210,000 | 420,000 | 480,000 | 510,000 |
| Pretax income | 152,000 | 278,000 | 819,000 | 1,235,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 278,000 | 819,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,920,000 | 13,976,000 | 14,408,000 | 14,074,000 |
| Total capital | 15,043,000 | 15,061,000 | 15,506,000 | 15,188,000 |
| Risk-weighted assets | 89,460,000 | 86,264,000 | 87,345,000 | 88,647,000 |