Call reports 2012
CITIZENS BANK — 2012
What CITIZENS BANK 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 | 636,517,000 | 622,204,000 | 674,807,000 | 650,925,000 |
| Total loans | 424,906,000 | 404,999,000 | 422,784,000 | 423,900,000 |
| Allowance for loan losses | 7,459,000 | 6,345,000 | 5,804,000 | 5,821,000 |
| Securities available for sale | 152,907,000 | 152,761,000 | 198,978,000 | 183,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,701,000 | 499,906,000 | 494,183,000 | 500,947,000 |
| Interest-bearing deposits | 444,658,000 | 432,731,000 | 427,494,000 | 432,211,000 |
| Noninterest-bearing deposits | 67,043,000 | 67,175,000 | 66,689,000 | 68,736,000 |
| Equity capital | 86,115,000 | 89,790,000 | 93,438,000 | 90,992,000 |
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 | 6,636,000 | 13,199,000 | 19,953,000 | 26,809,000 |
| Interest expense | 853,000 | 1,636,000 | 2,378,000 | 3,055,000 |
| Net interest income | 5,783,000 | 11,563,000 | 17,575,000 | 23,754,000 |
| Noninterest income | 1,614,000 | 2,863,000 | 4,492,000 | 5,408,000 |
| Noninterest expense | 3,851,000 | 7,784,000 | 11,584,000 | 15,875,000 |
| Provision for loan losses | 211,000 | 211,000 | 1,106,000 | 1,186,000 |
| Pretax income | 3,367,000 | 6,483,000 | 9,481,000 | 12,230,000 |
| Income tax | 206,000 | 437,000 | 608,000 | 707,000 |
| Net income | 3,161,000 | 6,046,000 | 8,873,000 | 11,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,444,000 | 81,326,000 | 84,129,000 | 81,162,000 |
| Total capital | 82,492,000 | 85,307,000 | 88,105,000 | 85,110,000 |
| Risk-weighted assets | 319,406,000 | 316,146,000 | 313,775,000 | 312,575,000 |