Call reports 2012
CITIZENS BANK, THE — 2012
What CITIZENS BANK, THE 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 | 111,070,000 | 109,979,000 | 108,326,000 | 113,024,000 |
| Total loans | 74,596,000 | 75,175,000 | 71,610,000 | 66,714,000 |
| Allowance for loan losses | 1,670,000 | 1,252,000 | 1,281,000 | 988,000 |
| Securities available for sale | 25,164,000 | 24,351,000 | 24,668,000 | 28,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,587,000 | 89,589,000 | 87,623,000 | 92,667,000 |
| Interest-bearing deposits | 76,327,000 | 77,283,000 | 74,900,000 | 74,165,000 |
| Noninterest-bearing deposits | 14,260,000 | 12,306,000 | 12,723,000 | 18,502,000 |
| Equity capital | 13,878,000 | 14,396,000 | 14,696,000 | 14,493,000 |
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 | 1,351,000 | 2,732,000 | 4,092,000 | 5,383,000 |
| Interest expense | 330,000 | 653,000 | 962,000 | 1,238,000 |
| Net interest income | 1,021,000 | 2,079,000 | 3,130,000 | 4,145,000 |
| Noninterest income | 155,000 | 342,000 | 490,000 | 645,000 |
| Noninterest expense | 724,000 | 1,386,000 | 2,147,000 | 2,908,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 362,000 | 855,000 | 1,203,000 | 1,522,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 362,000 | 855,000 | 1,203,000 | 1,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,941,000 | 13,242,000 | 13,520,000 | 13,446,000 |
| Total capital | 13,948,000 | 14,241,000 | 14,557,000 | 14,420,000 |
| Risk-weighted assets | 79,226,000 | 79,686,000 | 82,884,000 | 77,892,000 |