Call reports 2012
CITIZENS' BANK, INC. — 2012
What CITIZENS' BANK, INC. 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 | 118,025,000 | 113,799,000 | 112,661,000 | 113,760,000 |
| Total loans | 68,921,000 | 66,264,000 | 65,689,000 | 62,011,000 |
| Allowance for loan losses | 1,847,000 | 1,802,000 | 1,717,000 | 1,589,000 |
| Securities available for sale | 25,747,000 | 26,527,000 | 26,305,000 | 27,576,000 |
| Securities held to maturity | 1,958,000 | 1,958,000 | 1,958,000 | 1,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,869,000 | 97,313,000 | 95,944,000 | 96,977,000 |
| Interest-bearing deposits | 79,819,000 | 74,859,000 | 73,714,000 | 75,694,000 |
| Noninterest-bearing deposits | 22,051,000 | 22,454,000 | 22,230,000 | 21,283,000 |
| Equity capital | 10,680,000 | 10,967,000 | 11,154,000 | 11,290,000 |
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 | 1,193,000 | 2,347,000 | 3,430,000 | 4,518,000 |
| Interest expense | 195,000 | 367,000 | 530,000 | 685,000 |
| Net interest income | 998,000 | 1,980,000 | 2,900,000 | 3,833,000 |
| Noninterest income | 88,000 | 225,000 | 304,000 | 675,000 |
| Noninterest expense | 956,000 | 1,877,000 | 2,752,000 | 3,671,000 |
| Provision for loan losses | 0 | 8,000 | 47,000 | 47,000 |
| Pretax income | 130,000 | 321,000 | 407,000 | 795,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 61,000 |
| Net income | 124,000 | 309,000 | 389,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,034,000 | 10,218,000 | 10,299,000 | 10,501,000 |
| Total capital | 10,966,000 | 11,131,000 | 11,200,000 | 11,377,000 |
| Risk-weighted assets | 73,681,000 | 72,169,000 | 71,289,000 | 69,374,000 |