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 | 365,705,000 | 369,051,000 | 360,471,000 | 364,616,000 |
| Total loans | 227,554,000 | 241,645,000 | 237,063,000 | 239,318,000 |
| Allowance for loan losses | 4,181,000 | 3,857,000 | 4,540,000 | 4,499,000 |
| Securities available for sale | 62,908,000 | 65,815,000 | 67,696,000 | 68,031,000 |
| Securities held to maturity | 19,910,000 | 18,003,000 | 16,804,000 | 16,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,983,000 | 321,161,000 | 313,608,000 | 318,635,000 |
| Interest-bearing deposits | 248,651,000 | 254,248,000 | 247,456,000 | 254,607,000 |
| Noninterest-bearing deposits | 68,332,000 | 66,913,000 | 66,152,000 | 64,028,000 |
| Equity capital | 32,912,000 | 33,767,000 | 34,488,000 | 35,069,000 |
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 | 3,739,000 | 7,581,000 | 11,414,000 | 15,113,000 |
| Interest expense | 473,000 | 942,000 | 1,391,000 | 1,825,000 |
| Net interest income | 3,266,000 | 6,639,000 | 10,023,000 | 13,288,000 |
| Noninterest income | 1,067,000 | 1,945,000 | 3,023,000 | 4,027,000 |
| Noninterest expense | 3,352,000 | 6,831,000 | 10,287,000 | 13,701,000 |
| Provision for loan losses | 270,000 | 460,000 | 740,000 | 740,000 |
| Pretax income | 711,000 | 1,293,000 | 2,019,000 | 2,874,000 |
| Income tax | 183,000 | 319,000 | 515,000 | 768,000 |
| Net income | 528,000 | 974,000 | 1,504,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,673,000 | 33,418,000 | 34,031,000 | 34,658,000 |
| Total capital | 35,763,000 | 36,651,000 | 37,216,000 | 37,846,000 |
| Risk-weighted assets | 246,168,000 | 258,091,000 | 253,478,000 | 253,734,000 |