Call reports 2012
CITIZENS BANK, NATIONAL ASSOCIATION — 2012
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 88,620,000 | 97,685,000 | 96,652,000 | 99,867,000 |
| Total loans | 55,044,000 | 54,148,000 | 56,257,000 | 65,166,000 |
| Allowance for loan losses | 892,000 | 896,000 | 895,000 | 979,000 |
| Securities available for sale | 14,767,000 | 14,321,000 | 18,358,000 | 18,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,052,000 | 86,290,000 | 84,762,000 | 87,289,000 |
| Interest-bearing deposits | 44,253,000 | 45,449,000 | 49,468,000 | 52,165,000 |
| Noninterest-bearing deposits | 32,800,000 | 40,841,000 | 35,294,000 | 35,125,000 |
| Equity capital | 11,057,000 | 11,197,000 | 11,639,000 | 12,501,000 |
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 | 914,000 | 1,785,000 | 2,674,000 | 3,657,000 |
| Interest expense | 48,000 | 89,000 | 125,000 | 159,000 |
| Net interest income | 866,000 | 1,696,000 | 2,549,000 | 3,498,000 |
| Noninterest income | 140,000 | 301,000 | 445,000 | 616,000 |
| Noninterest expense | 595,000 | 1,177,000 | 1,750,000 | 2,319,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 110,000 |
| Pretax income | 386,000 | 794,000 | 1,218,000 | 1,684,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 386,000 | 794,000 | 1,218,000 | 1,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,947,000 | 7,076,000 | 7,500,000 | 8,266,000 |
| Total capital | 7,795,000 | 7,953,000 | 8,395,000 | 9,245,000 |
| Risk-weighted assets | 67,822,000 | 70,128,000 | 73,158,000 | 85,570,000 |