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 | 289,918,000 | 274,796,000 | 279,520,000 | 279,733,000 |
| Total loans | 149,420,000 | 153,071,000 | 165,538,000 | 161,689,000 |
| Allowance for loan losses | 1,758,000 | 1,687,000 | 1,674,000 | 1,673,000 |
| Securities available for sale | 113,642,000 | 100,086,000 | 91,635,000 | 86,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,524,000 | 241,433,000 | 225,650,000 | 253,161,000 |
| Interest-bearing deposits | 222,062,000 | 196,560,000 | 183,518,000 | 191,591,000 |
| Noninterest-bearing deposits | 43,462,000 | 44,873,000 | 42,132,000 | 61,570,000 |
| Equity capital | 23,605,000 | 24,303,000 | 25,441,000 | 25,736,000 |
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 | 3,044,000 | 5,964,000 | 8,908,000 | 11,798,000 |
| Interest expense | 453,000 | 793,000 | 1,090,000 | 1,375,000 |
| Net interest income | 2,591,000 | 5,171,000 | 7,818,000 | 10,423,000 |
| Noninterest income | 280,000 | 582,000 | 931,000 | 1,246,000 |
| Noninterest expense | 1,743,000 | 3,460,000 | 5,519,000 | 7,723,000 |
| Provision for loan losses | 30,000 | 30,000 | 95,000 | 95,000 |
| Pretax income | 1,207,000 | 2,456,000 | 3,414,000 | 4,106,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,207,000 | 2,456,000 | 3,414,000 | 4,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,396,000 | 22,570,000 | 23,007,000 | 23,542,000 |
| Total capital | 24,154,000 | 24,257,000 | 24,681,000 | 25,215,000 |
| Risk-weighted assets | 168,334,000 | 166,357,000 | 175,213,000 | 175,473,000 |