Call reports 2011
CITIZENS' BANK, INC. — 2011
What CITIZENS' BANK, INC. 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 | 121,940,000 | 117,092,000 | 115,646,000 | 115,907,000 |
| Total loans | 73,559,000 | 72,207,000 | 70,586,000 | 68,351,000 |
| Allowance for loan losses | 1,799,000 | 1,868,000 | 1,872,000 | 1,842,000 |
| Securities available for sale | 25,850,000 | 24,509,000 | 24,017,000 | 24,407,000 |
| Securities held to maturity | 2,149,000 | 2,147,000 | 1,961,000 | 1,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,673,000 | 101,633,000 | 99,928,000 | 99,973,000 |
| Interest-bearing deposits | 89,056,000 | 84,144,000 | 82,140,000 | 79,693,000 |
| Noninterest-bearing deposits | 17,616,000 | 17,490,000 | 17,788,000 | 20,280,000 |
| Equity capital | 9,828,000 | 9,963,000 | 10,233,000 | 10,500,000 |
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 | 1,293,000 | 2,630,000 | 3,909,000 | 5,158,000 |
| Interest expense | 293,000 | 549,000 | 771,000 | 987,000 |
| Net interest income | 1,000,000 | 2,081,000 | 3,138,000 | 4,171,000 |
| Noninterest income | 27,000 | 152,000 | 258,000 | 378,000 |
| Noninterest expense | 970,000 | 2,022,000 | 2,957,000 | 3,767,000 |
| Provision for loan losses | 122,000 | 434,000 | 648,000 | 648,000 |
| Pretax income | -65,000 | -210,000 | -193,000 | 127,000 |
| Income tax | 9,000 | 18,000 | 0 | 25,000 |
| Net income | -74,000 | -228,000 | -193,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,734,000 | 9,580,000 | 9,615,000 | 9,910,000 |
| Total capital | 10,753,000 | 10,573,000 | 10,583,000 | 10,857,000 |
| Risk-weighted assets | 80,723,000 | 78,537,000 | 76,499,000 | 74,865,000 |