Call reports 2011
CITIZENS BANK, THE — 2011
What CITIZENS BANK, THE 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 | 102,441,000 | 104,597,000 | 105,836,000 | 109,515,000 |
| Total loans | 69,486,000 | 73,616,000 | 77,548,000 | 71,914,000 |
| Allowance for loan losses | 1,207,000 | 1,479,000 | 1,390,000 | 1,551,000 |
| Securities available for sale | 24,042,000 | 23,204,000 | 20,440,000 | 25,371,000 |
| Securities held to maturity | 50,000 | 50,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,720,000 | 81,575,000 | 84,784,000 | 90,959,000 |
| Interest-bearing deposits | 69,618,000 | 70,499,000 | 73,065,000 | 77,178,000 |
| Noninterest-bearing deposits | 11,102,000 | 11,076,000 | 11,719,000 | 13,781,000 |
| Equity capital | 12,338,000 | 12,885,000 | 13,660,000 | 13,806,000 |
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 | 1,362,000 | 2,610,000 | 4,046,000 | 5,394,000 |
| Interest expense | 353,000 | 699,000 | 1,052,000 | 1,404,000 |
| Net interest income | 1,009,000 | 1,911,000 | 2,994,000 | 3,990,000 |
| Noninterest income | 161,000 | 613,000 | 763,000 | 657,000 |
| Noninterest expense | 633,000 | 1,301,000 | 1,958,000 | 2,610,000 |
| Provision for loan losses | 90,000 | 755,000 | 845,000 | 935,000 |
| Pretax income | 447,000 | 477,000 | 963,000 | 1,113,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 447,000 | 477,000 | 963,000 | 1,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,243,000 | 12,278,000 | 12,713,000 | 12,861,000 |
| Total capital | 13,157,000 | 13,186,000 | 13,652,000 | 13,782,000 |
| Risk-weighted assets | 74,050,000 | 76,336,000 | 76,531,000 | 73,067,000 |