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 | 49,445,000 | 50,885,000 | 51,897,000 | 52,782,000 |
| Total loans | 42,523,000 | 42,601,000 | 41,845,000 | 41,430,000 |
| Allowance for loan losses | 430,000 | 435,000 | 446,000 | 420,000 |
| Securities available for sale | 130,000 | 127,000 | 125,000 | 1,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,761,000 | 46,180,000 | 47,071,000 | 48,806,000 |
| Interest-bearing deposits | 34,819,000 | 35,904,000 | 35,483,000 | 35,836,000 |
| Noninterest-bearing deposits | 9,941,000 | 10,277,000 | 11,588,000 | 12,970,000 |
| Equity capital | 3,602,000 | 3,601,000 | 3,702,000 | 3,729,000 |
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 | 680,000 | 1,367,000 | 2,039,000 | 2,708,000 |
| Interest expense | 75,000 | 149,000 | 223,000 | 287,000 |
| Net interest income | 605,000 | 1,218,000 | 1,816,000 | 2,421,000 |
| Noninterest income | 157,000 | 269,000 | 383,000 | 554,000 |
| Noninterest expense | 530,000 | 1,039,000 | 1,568,000 | 2,132,000 |
| Provision for loan losses | 62,000 | 71,000 | 80,000 | 83,000 |
| Pretax income | 170,000 | 377,000 | 551,000 | 760,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 170,000 | 377,000 | 551,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,602,000 | 3,601,000 | 3,702,000 | 3,729,000 |
| Total capital | 4,032,000 | 4,036,000 | 4,107,000 | 4,149,000 |
| Risk-weighted assets | 34,310,000 | 34,679,000 | 34,917,000 | 36,445,000 |