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 | 142,109,000 | 144,654,000 | 144,213,000 | 146,583,000 |
| Total loans | 105,202,000 | 105,176,000 | 105,103,000 | 105,831,000 |
| Allowance for loan losses | 1,353,000 | 1,372,000 | 1,362,000 | 1,439,000 |
| Securities available for sale | 21,949,000 | 22,873,000 | 25,368,000 | 23,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,548,000 | 131,505,000 | 130,604,000 | 132,900,000 |
| Interest-bearing deposits | 113,175,000 | 114,857,000 | 114,403,000 | 114,503,000 |
| Noninterest-bearing deposits | 16,373,000 | 16,648,000 | 16,201,000 | 18,397,000 |
| Equity capital | 12,125,000 | 12,646,000 | 12,818,000 | 12,993,000 |
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 | 1,877,000 | 3,816,000 | 5,790,000 | 7,731,000 |
| Interest expense | 434,000 | 853,000 | 1,251,000 | 1,630,000 |
| Net interest income | 1,443,000 | 2,963,000 | 4,539,000 | 6,101,000 |
| Noninterest income | 155,000 | 302,000 | 467,000 | 623,000 |
| Noninterest expense | 1,080,000 | 2,143,000 | 3,155,000 | 4,269,000 |
| Provision for loan losses | 157,000 | 217,000 | 317,000 | 472,000 |
| Pretax income | 361,000 | 952,000 | 1,581,000 | 2,115,000 |
| Income tax | 138,000 | 365,000 | 606,000 | 811,000 |
| Net income | 223,000 | 587,000 | 975,000 | 1,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,964,000 | 12,329,000 | 12,343,000 | 12,672,000 |
| Total capital | 13,231,000 | 13,607,000 | 13,625,000 | 13,967,000 |
| Risk-weighted assets | 101,243,000 | 102,115,000 | 102,459,000 | 103,455,000 |