Call reports 2012
CITIZENS BANK, N.A. — 2012
What CITIZENS BANK, N.A. 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 | 277,245,000 | 275,216,000 | 267,346,000 | 270,152,000 |
| Total loans | 124,615,000 | 123,960,000 | 125,028,000 | 121,782,000 |
| Allowance for loan losses | 2,842,000 | 2,928,000 | 3,037,000 | 2,803,000 |
| Securities available for sale | 121,667,000 | 123,082,000 | 115,010,000 | 119,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,419,000 | 182,665,000 | 179,345,000 | 176,065,000 |
| Interest-bearing deposits | 142,218,000 | 138,663,000 | 133,338,000 | 131,522,000 |
| Noninterest-bearing deposits | 42,201,000 | 44,002,000 | 46,007,000 | 44,543,000 |
| Equity capital | 32,779,000 | 34,009,000 | 34,097,000 | 33,832,000 |
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 | 3,048,000 | 5,948,000 | 8,828,000 | 11,143,000 |
| Interest expense | 786,000 | 1,513,000 | 2,204,000 | 2,812,000 |
| Net interest income | 2,262,000 | 4,435,000 | 6,624,000 | 8,331,000 |
| Noninterest income | 1,114,000 | 2,333,000 | 3,534,000 | 5,116,000 |
| Noninterest expense | 2,359,000 | 4,658,000 | 8,157,000 | 10,605,000 |
| Provision for loan losses | 200,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 817,000 | 1,591,000 | 2,325,000 | 3,166,000 |
| Income tax | 25,000 | 49,000 | 73,000 | 100,000 |
| Net income | 792,000 | 1,542,000 | 2,252,000 | 3,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,190,000 | 28,740,000 | 29,200,000 | 29,414,000 |
| Total capital | 30,413,000 | 30,956,000 | 31,395,000 | 31,558,000 |
| Risk-weighted assets | 163,809,000 | 176,503,000 | 174,633,000 | 170,747,000 |