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 | 39,526,000 | 34,731,000 | 38,625,000 | 37,640,000 |
| Total loans | 20,544,000 | 19,706,000 | 19,063,000 | 19,317,000 |
| Allowance for loan losses | 762,000 | 726,000 | 649,000 | 670,000 |
| Securities available for sale | 12,451,000 | 12,417,000 | 8,462,000 | 9,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,439,000 | 29,692,000 | 33,622,000 | 32,698,000 |
| Interest-bearing deposits | 28,727,000 | 25,907,000 | 25,406,000 | 24,856,000 |
| Noninterest-bearing deposits | 5,712,000 | 3,785,000 | 8,216,000 | 7,842,000 |
| Equity capital | 4,884,000 | 4,872,000 | 4,850,000 | 4,834,000 |
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 | 375,000 | 725,000 | 1,061,000 | 1,385,000 |
| Interest expense | 74,000 | 136,000 | 181,000 | 214,000 |
| Net interest income | 301,000 | 589,000 | 880,000 | 1,171,000 |
| Noninterest income | 37,000 | 76,000 | 120,000 | 160,000 |
| Noninterest expense | 361,000 | 700,000 | 1,060,000 | 1,382,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -23,000 | -35,000 | -59,000 | -50,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -23,000 | -35,000 | -59,000 | -50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,776,000 | 4,765,000 | 4,740,000 | 4,749,000 |
| Total capital | 5,053,000 | 5,027,000 | 4,986,000 | 5,000,000 |
| Risk-weighted assets | 21,671,000 | 20,460,000 | 19,290,000 | 19,664,000 |
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