Call reports 2011
CITIZENS BANK, NATIONAL ASSOCIATION — 2011
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 83,198,000 | 84,510,000 | 87,824,000 | 92,258,000 |
| Total loans | 58,664,000 | 58,190,000 | 57,982,000 | 57,266,000 |
| Allowance for loan losses | 890,000 | 904,000 | 920,000 | 937,000 |
| Securities available for sale | 10,222,000 | 9,528,000 | 10,193,000 | 13,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,815,000 | 73,255,000 | 76,455,000 | 80,725,000 |
| Interest-bearing deposits | 44,918,000 | 43,873,000 | 44,055,000 | 43,747,000 |
| Noninterest-bearing deposits | 26,897,000 | 29,382,000 | 32,400,000 | 36,979,000 |
| Equity capital | 10,862,000 | 11,036,000 | 11,099,000 | 11,051,000 |
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 | 955,000 | 1,904,000 | 2,853,000 | 3,768,000 |
| Interest expense | 80,000 | 152,000 | 218,000 | 274,000 |
| Net interest income | 875,000 | 1,752,000 | 2,635,000 | 3,494,000 |
| Noninterest income | 146,000 | 292,000 | 444,000 | 601,000 |
| Noninterest expense | 625,000 | 1,260,000 | 1,895,000 | 2,505,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 381,000 | 753,000 | 1,138,000 | 1,529,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 381,000 | 753,000 | 1,138,000 | 1,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,814,000 | 6,935,000 | 6,940,000 | 6,931,000 |
| Total capital | 7,646,000 | 7,780,000 | 7,745,000 | 7,797,000 |
| Risk-weighted assets | 66,532,000 | 67,567,000 | 69,884,000 | 69,196,000 |