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 | 273,585,000 | 279,736,000 | 284,070,000 | 303,870,000 |
| Total loans | 156,141,000 | 169,647,000 | 163,347,000 | 159,531,000 |
| Allowance for loan losses | 1,726,000 | 1,759,000 | 1,757,000 | 1,754,000 |
| Securities available for sale | 85,941,000 | 83,649,000 | 81,475,000 | 103,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,128,000 | 253,709,000 | 259,139,000 | 279,051,000 |
| Interest-bearing deposits | 214,222,000 | 212,611,000 | 212,785,000 | 235,458,000 |
| Noninterest-bearing deposits | 37,906,000 | 41,099,000 | 46,354,000 | 43,593,000 |
| Equity capital | 19,373,000 | 20,956,000 | 22,563,000 | 23,005,000 |
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 | 2,979,000 | 6,127,000 | 9,353,000 | 12,404,000 |
| Interest expense | 874,000 | 1,735,000 | 2,496,000 | 3,141,000 |
| Net interest income | 2,105,000 | 4,392,000 | 6,857,000 | 9,263,000 |
| Noninterest income | 330,000 | 668,000 | 1,020,000 | 1,290,000 |
| Noninterest expense | 1,669,000 | 3,409,000 | 5,199,000 | 7,018,000 |
| Provision for loan losses | 75,000 | 120,000 | 120,000 | 140,000 |
| Pretax income | 661,000 | 1,488,000 | 2,508,000 | 3,355,000 |
| Income tax | 0 | 0 | 19,000 | 19,000 |
| Net income | 661,000 | 1,488,000 | 2,489,000 | 3,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,934,000 | 20,360,000 | 21,012,000 | 21,639,000 |
| Total capital | 21,660,000 | 22,119,000 | 22,769,000 | 23,393,000 |
| Risk-weighted assets | 171,401,000 | 182,891,000 | 179,553,000 | 176,794,000 |