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 | 45,224,000 | 41,689,000 | 48,213,000 | 45,352,000 |
| Total loans | 17,284,000 | 17,159,000 | 19,165,000 | 20,553,000 |
| Allowance for loan losses | 216,000 | 217,000 | 218,000 | 218,000 |
| Securities available for sale | 21,340,000 | 22,604,000 | 21,869,000 | 22,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,593,000 | 33,517,000 | 40,124,000 | 34,587,000 |
| Interest-bearing deposits | 31,108,000 | 27,207,000 | 33,245,000 | 27,526,000 |
| Noninterest-bearing deposits | 6,485,000 | 6,310,000 | 6,879,000 | 7,061,000 |
| Equity capital | 3,630,000 | 4,057,000 | 4,257,000 | 4,190,000 |
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 | 457,000 | 918,000 | 1,375,000 | 1,838,000 |
| Interest expense | 100,000 | 196,000 | 282,000 | 372,000 |
| Net interest income | 357,000 | 722,000 | 1,093,000 | 1,466,000 |
| Noninterest income | 80,000 | 139,000 | 237,000 | 297,000 |
| Noninterest expense | 272,000 | 540,000 | 801,000 | 1,105,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 321,000 | 566,000 | 695,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 39,000 |
| Net income | 159,000 | 309,000 | 548,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,421,000 | 3,450,000 | 3,579,000 | 3,587,000 |
| Total capital | 3,637,000 | 3,667,000 | 3,797,000 | 3,805,000 |
| Risk-weighted assets | 24,941,000 | 24,401,000 | 26,382,000 | 26,954,000 |