Call reports 2011
CITIZENS BANK — 2011
What CITIZENS BANK 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 | 611,511,000 | 608,537,000 | 595,796,000 | 608,670,000 |
| Total loans | 428,436,000 | 423,569,000 | 411,985,000 | 422,783,000 |
| Allowance for loan losses | 7,457,000 | 7,157,000 | 8,483,000 | 7,491,000 |
| Securities available for sale | 125,777,000 | 140,072,000 | 135,783,000 | 144,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,164,000 | 496,070,000 | 496,390,000 | 498,980,000 |
| Interest-bearing deposits | 455,979,000 | 434,202,000 | 433,141,000 | 437,788,000 |
| Noninterest-bearing deposits | 60,185,000 | 61,868,000 | 63,249,000 | 61,192,000 |
| Equity capital | 75,998,000 | 80,677,000 | 85,006,000 | 82,207,000 |
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 | 6,652,000 | 13,501,000 | 20,243,000 | 27,200,000 |
| Interest expense | 1,318,000 | 2,485,000 | 3,539,000 | 4,482,000 |
| Net interest income | 5,334,000 | 11,016,000 | 16,704,000 | 22,718,000 |
| Noninterest income | 2,104,000 | 3,155,000 | 4,220,000 | 4,721,000 |
| Noninterest expense | 3,716,000 | 7,412,000 | 11,493,000 | 15,287,000 |
| Provision for loan losses | 440,000 | 967,000 | 2,399,000 | 3,596,000 |
| Pretax income | 3,282,000 | 5,867,000 | 7,932,000 | 9,480,000 |
| Income tax | 206,000 | 409,000 | 612,000 | 624,000 |
| Net income | 3,076,000 | 5,458,000 | 7,320,000 | 8,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,336,000 | 76,750,000 | 78,608,000 | 75,292,000 |
| Total capital | 78,576,000 | 80,888,000 | 82,702,000 | 79,331,000 |
| Risk-weighted assets | 336,069,000 | 327,997,000 | 323,115,000 | 319,703,000 |