Call reports 2011
CITIZENS BANK, N.A. — 2011
What CITIZENS BANK, N.A. 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 | 280,914,000 | 284,473,000 | 294,757,000 | 273,413,000 |
| Total loans | 147,324,000 | 140,024,000 | 135,458,000 | 129,923,000 |
| Allowance for loan losses | 3,169,000 | 3,161,000 | 3,153,000 | 2,958,000 |
| Securities available for sale | 98,052,000 | 110,466,000 | 128,517,000 | 115,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,554,000 | 191,177,000 | 188,543,000 | 181,592,000 |
| Interest-bearing deposits | 153,111,000 | 154,877,000 | 149,967,000 | 144,266,000 |
| Noninterest-bearing deposits | 36,443,000 | 36,300,000 | 38,576,000 | 37,326,000 |
| Equity capital | 30,197,000 | 31,930,000 | 34,786,000 | 32,037,000 |
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 | 3,293,000 | 6,463,000 | 9,698,000 | 13,026,000 |
| Interest expense | 920,000 | 1,807,000 | 2,681,000 | 3,504,000 |
| Net interest income | 2,373,000 | 4,656,000 | 7,017,000 | 9,522,000 |
| Noninterest income | 714,000 | 1,232,000 | 1,840,000 | -37,000 |
| Noninterest expense | 2,118,000 | 4,373,000 | 6,756,000 | 8,818,000 |
| Provision for loan losses | 740,000 | 1,170,000 | 1,295,000 | 1,495,000 |
| Pretax income | 435,000 | 586,000 | 1,272,000 | 128,000 |
| Income tax | 13,000 | 19,000 | 47,000 | 95,000 |
| Net income | 422,000 | 567,000 | 1,225,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,296,000 | 28,312,000 | 28,840,000 | 27,399,000 |
| Total capital | 30,712,000 | 30,702,000 | 31,194,000 | 29,601,000 |
| Risk-weighted assets | 186,160,000 | 181,472,000 | 177,909,000 | 164,740,000 |