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 | 70,110,000 | 70,479,000 | 71,949,000 | 70,730,000 |
| Total loans | 32,892,000 | 32,936,000 | 31,773,000 | 31,328,000 |
| Allowance for loan losses | 377,000 | 352,000 | 358,000 | 384,000 |
| Securities available for sale | 24,482,000 | 25,211,000 | 26,134,000 | 27,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,475,000 | 62,397,000 | 63,570,000 | 62,590,000 |
| Interest-bearing deposits | 52,422,000 | 52,232,000 | 51,774,000 | 50,901,000 |
| Noninterest-bearing deposits | 10,053,000 | 10,165,000 | 11,796,000 | 11,689,000 |
| Equity capital | 7,157,000 | 7,579,000 | 7,826,000 | 7,617,000 |
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 | 775,000 | 1,557,000 | 2,340,000 | 3,081,000 |
| Interest expense | 169,000 | 327,000 | 473,000 | 596,000 |
| Net interest income | 606,000 | 1,230,000 | 1,867,000 | 2,485,000 |
| Noninterest income | 164,000 | 321,000 | 483,000 | 670,000 |
| Noninterest expense | 607,000 | 1,196,000 | 1,779,000 | 2,442,000 |
| Provision for loan losses | 40,000 | 40,000 | 85,000 | 135,000 |
| Pretax income | 123,000 | 315,000 | 488,000 | 580,000 |
| Income tax | 20,000 | 70,000 | 108,000 | 153,000 |
| Net income | 103,000 | 245,000 | 380,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,038,000 | 7,180,000 | 7,315,000 | 7,163,000 |
| Total capital | 7,415,000 | 7,532,000 | 7,673,000 | 7,547,000 |
| Risk-weighted assets | 39,911,000 | 39,306,000 | 37,986,000 | 37,585,000 |