Call reports 2011
CITIZENS BANK — 2011
What CITIZENS BANK 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 | 359,983,000 | 360,854,000 | 358,764,000 | 357,201,000 |
| Total loans | 269,073,000 | 263,147,000 | 266,119,000 | 264,694,000 |
| Allowance for loan losses | 4,180,000 | 4,120,000 | 4,182,000 | 4,166,000 |
| Securities available for sale | 37,629,000 | 39,714,000 | 37,272,000 | 35,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,953,000 | 305,924,000 | 306,652,000 | 304,206,000 |
| Interest-bearing deposits | 251,386,000 | 251,641,000 | 251,121,000 | 249,855,000 |
| Noninterest-bearing deposits | 55,567,000 | 54,283,000 | 55,531,000 | 54,351,000 |
| Equity capital | 32,019,000 | 33,812,000 | 34,188,000 | 34,847,000 |
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 | 4,885,000 | 9,810,000 | 14,796,000 | 19,728,000 |
| Interest expense | 1,277,000 | 2,496,000 | 3,680,000 | 4,805,000 |
| Net interest income | 3,608,000 | 7,314,000 | 11,116,000 | 14,923,000 |
| Noninterest income | 755,000 | 1,508,000 | 2,292,000 | 3,439,000 |
| Noninterest expense | 2,920,000 | 5,789,000 | 8,661,000 | 12,083,000 |
| Provision for loan losses | 166,000 | 334,000 | 513,000 | 886,000 |
| Pretax income | 1,277,000 | 2,699,000 | 4,238,000 | 5,403,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,277,000 | 2,699,000 | 4,238,000 | 5,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,871,000 | 35,294,000 | 35,582,000 | 36,748,000 |
| Total capital | 37,055,000 | 38,441,000 | 38,731,000 | 39,888,000 |
| Risk-weighted assets | 253,755,000 | 250,808,000 | 250,899,000 | 250,138,000 |