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 | 113,983,000 | 117,103,000 | 122,545,000 | 124,478,000 |
| Total loans | 65,886,000 | 71,965,000 | 74,378,000 | 73,304,000 |
| Allowance for loan losses | 79,000 | 78,000 | 78,000 | 71,000 |
| Securities available for sale | 30,462,000 | 22,982,000 | 21,773,000 | 16,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,057,000 | 100,694,000 | 106,824,000 | 107,896,000 |
| Interest-bearing deposits | 81,055,000 | 82,559,000 | 88,107,000 | 87,406,000 |
| Noninterest-bearing deposits | 16,002,000 | 18,135,000 | 18,717,000 | 20,490,000 |
| Equity capital | 10,937,000 | 11,175,000 | 11,341,000 | 11,246,000 |
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 | 1,125,000 | 2,303,000 | 3,560,000 | 4,800,000 |
| Interest expense | 154,000 | 300,000 | 445,000 | 596,000 |
| Net interest income | 971,000 | 2,003,000 | 3,115,000 | 4,204,000 |
| Noninterest income | 105,000 | 225,000 | 341,000 | 525,000 |
| Noninterest expense | 702,000 | 1,396,000 | 2,176,000 | 3,092,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 399,000 | 861,000 | 1,309,000 | 1,670,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 399,000 | 861,000 | 1,309,000 | 1,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,910,000 | 11,032,000 | 11,030,000 | 11,031,000 |
| Total capital | 10,989,000 | 11,110,000 | 11,108,000 | 11,102,000 |
| Risk-weighted assets | 79,395,000 | 85,149,000 | 88,255,000 | 86,408,000 |