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 | 71,860,000 | 69,935,000 | 69,074,000 | 69,721,000 |
| Total loans | 31,521,000 | 30,730,000 | 30,600,000 | 30,215,000 |
| Allowance for loan losses | 386,000 | 405,000 | 444,000 | 416,000 |
| Securities available for sale | 28,300,000 | 26,529,000 | 25,796,000 | 23,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,734,000 | 61,796,000 | 60,691,000 | 61,517,000 |
| Interest-bearing deposits | 51,671,000 | 50,935,000 | 49,857,000 | 49,627,000 |
| Noninterest-bearing deposits | 12,063,000 | 10,861,000 | 10,834,000 | 11,890,000 |
| Equity capital | 7,687,000 | 7,703,000 | 7,915,000 | 7,783,000 |
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 | 722,000 | 1,425,000 | 2,105,000 | 2,783,000 |
| Interest expense | 112,000 | 213,000 | 305,000 | 394,000 |
| Net interest income | 610,000 | 1,212,000 | 1,800,000 | 2,389,000 |
| Noninterest income | 153,000 | 182,000 | 362,000 | 525,000 |
| Noninterest expense | 606,000 | 1,179,000 | 1,746,000 | 2,376,000 |
| Provision for loan losses | 24,000 | 78,000 | 127,000 | 127,000 |
| Pretax income | 133,000 | 137,000 | 292,000 | 414,000 |
| Income tax | 11,000 | 36,000 | 39,000 | 64,000 |
| Net income | 122,000 | 101,000 | 253,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,285,000 | 7,264,000 | 7,416,000 | 7,362,000 |
| Total capital | 7,671,000 | 7,669,000 | 7,860,000 | 7,778,000 |
| Risk-weighted assets | 38,738,000 | 36,713,000 | 36,942,000 | 36,543,000 |