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 | 107,213,000 | 108,002,000 | 112,129,000 | 112,185,000 |
| Total loans | 57,660,000 | 63,174,000 | 63,744,000 | 60,596,000 |
| Allowance for loan losses | 88,000 | 85,000 | 82,000 | 81,000 |
| Securities available for sale | 25,076,000 | 25,394,000 | 13,474,000 | 31,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,702,000 | 93,974,000 | 98,281,000 | 99,447,000 |
| Interest-bearing deposits | 76,711,000 | 77,974,000 | 82,719,000 | 82,731,000 |
| Noninterest-bearing deposits | 15,991,000 | 16,000,000 | 15,562,000 | 16,716,000 |
| Equity capital | 10,793,000 | 11,308,000 | 11,010,000 | 10,538,000 |
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 | 971,000 | 2,023,000 | 3,092,000 | 4,162,000 |
| Interest expense | 208,000 | 400,000 | 589,000 | 752,000 |
| Net interest income | 763,000 | 1,623,000 | 2,503,000 | 3,410,000 |
| Noninterest income | 85,000 | 178,000 | 279,000 | 380,000 |
| Noninterest expense | 547,000 | 1,176,000 | 1,838,000 | 2,615,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 301,000 | 625,000 | 1,511,000 | 1,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 301,000 | 625,000 | 1,511,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,520,000 | 10,644,000 | 10,930,000 | 10,511,000 |
| Total capital | 10,608,000 | 10,729,000 | 11,012,000 | 10,592,000 |
| Risk-weighted assets | 69,975,000 | 74,860,000 | 76,737,000 | 74,292,000 |