Call reports 2012
CITIZENS BANK — 2012
What CITIZENS BANK 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 | 360,128,000 | 356,053,000 | 359,159,000 | 362,481,000 |
| Total loans | 261,066,000 | 260,347,000 | 258,119,000 | 250,686,000 |
| Allowance for loan losses | 4,228,000 | 4,189,000 | 4,130,000 | 3,853,000 |
| Securities available for sale | 35,779,000 | 36,787,000 | 34,627,000 | 43,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,983,000 | 303,421,000 | 305,791,000 | 306,803,000 |
| Interest-bearing deposits | 251,080,000 | 244,051,000 | 242,449,000 | 247,975,000 |
| Noninterest-bearing deposits | 56,903,000 | 59,370,000 | 63,342,000 | 58,828,000 |
| Equity capital | 33,301,000 | 33,749,000 | 34,270,000 | 35,254,000 |
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 | 4,845,000 | 9,822,000 | 14,669,000 | 19,417,000 |
| Interest expense | 1,044,000 | 2,030,000 | 2,919,000 | 3,757,000 |
| Net interest income | 3,801,000 | 7,792,000 | 11,750,000 | 15,660,000 |
| Noninterest income | 883,000 | 1,684,000 | 2,580,000 | 3,476,000 |
| Noninterest expense | 3,087,000 | 6,231,000 | 9,238,000 | 12,620,000 |
| Provision for loan losses | 114,000 | 294,000 | 476,000 | 892,000 |
| Pretax income | 1,485,000 | 2,953,000 | 4,620,000 | 5,628,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,485,000 | 2,953,000 | 4,620,000 | 5,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,032,000 | 36,400,000 | 36,866,000 | 37,875,000 |
| Total capital | 39,165,000 | 39,536,000 | 40,000,000 | 40,908,000 |
| Risk-weighted assets | 249,564,000 | 249,853,000 | 249,701,000 | 241,798,000 |