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 | 47,828,000 | 45,790,000 | 47,986,000 | 47,882,000 |
| Total loans | 19,145,000 | 19,369,000 | 19,415,000 | 20,772,000 |
| Allowance for loan losses | 219,000 | 221,000 | 221,000 | 221,000 |
| Securities available for sale | 21,827,000 | 22,324,000 | 21,312,000 | 22,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,204,000 | 37,497,000 | 40,163,000 | 38,459,000 |
| Interest-bearing deposits | 32,157,000 | 29,988,000 | 33,239,000 | 30,133,000 |
| Noninterest-bearing deposits | 7,046,000 | 7,509,000 | 6,924,000 | 8,326,000 |
| Equity capital | 4,306,000 | 4,292,000 | 4,402,000 | 4,287,000 |
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 | 450,000 | 885,000 | 1,308,000 | 1,723,000 |
| Interest expense | 75,000 | 147,000 | 207,000 | 270,000 |
| Net interest income | 375,000 | 738,000 | 1,101,000 | 1,453,000 |
| Noninterest income | 62,000 | 126,000 | 214,000 | 285,000 |
| Noninterest expense | 264,000 | 537,000 | 841,000 | 1,111,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 361,000 | 563,000 | 716,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 35,000 |
| Net income | 164,000 | 343,000 | 536,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,631,000 | 3,690,000 | 3,752,000 | 3,778,000 |
| Total capital | 3,850,000 | 3,911,000 | 3,973,000 | 3,999,000 |
| Risk-weighted assets | 26,970,000 | 26,662,000 | 26,536,000 | 26,864,000 |