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 | 53,781,000 | 51,316,000 | 50,201,000 | 48,494,000 |
| Total loans | 41,927,000 | 42,471,000 | 42,277,000 | 42,693,000 |
| Allowance for loan losses | 415,000 | 425,000 | 436,000 | 368,000 |
| Securities available for sale | 141,000 | 2,188,000 | 2,179,000 | 134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,337,000 | 43,828,000 | 43,690,000 | 43,486,000 |
| Interest-bearing deposits | 37,643,000 | 35,469,000 | 34,888,000 | 33,576,000 |
| Noninterest-bearing deposits | 8,695,000 | 8,358,000 | 8,802,000 | 9,911,000 |
| Equity capital | 3,824,000 | 3,862,000 | 3,881,000 | 3,932,000 |
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 | 674,000 | 1,364,000 | 2,058,000 | 2,756,000 |
| Interest expense | 153,000 | 288,000 | 405,000 | 502,000 |
| Net interest income | 521,000 | 1,076,000 | 1,653,000 | 2,254,000 |
| Noninterest income | 109,000 | 206,000 | 333,000 | 431,000 |
| Noninterest expense | 524,000 | 1,015,000 | 1,493,000 | 2,041,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 123,000 |
| Pretax income | 97,000 | 249,000 | 466,000 | 521,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 97,000 | 249,000 | 466,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,824,000 | 3,862,000 | 3,881,000 | 3,932,000 |
| Total capital | 4,239,000 | 4,287,000 | 4,317,000 | 4,300,000 |
| Risk-weighted assets | 35,219,000 | 35,321,000 | 34,875,000 | 34,912,000 |