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 | 149,730,000 | 151,696,000 | 154,034,000 | 159,478,000 |
| Total loans | 103,966,000 | 106,626,000 | 108,004,000 | 114,281,000 |
| Allowance for loan losses | 1,565,000 | 1,658,000 | 1,679,000 | 1,741,000 |
| Securities available for sale | 27,510,000 | 28,757,000 | 27,611,000 | 25,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,720,000 | 137,402,000 | 138,832,000 | 141,791,000 |
| Interest-bearing deposits | 115,278,000 | 117,745,000 | 118,043,000 | 117,994,000 |
| Noninterest-bearing deposits | 20,442,000 | 19,657,000 | 20,789,000 | 23,797,000 |
| Equity capital | 13,271,000 | 13,847,000 | 13,881,000 | 13,883,000 |
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 | 1,921,000 | 3,800,000 | 5,717,000 | 7,694,000 |
| Interest expense | 350,000 | 684,000 | 1,017,000 | 1,339,000 |
| Net interest income | 1,571,000 | 3,116,000 | 4,700,000 | 6,355,000 |
| Noninterest income | 195,000 | 352,000 | 459,000 | 566,000 |
| Noninterest expense | 1,061,000 | 1,955,000 | 3,046,000 | 4,091,000 |
| Provision for loan losses | 175,000 | 285,000 | 345,000 | 592,000 |
| Pretax income | 530,000 | 1,262,000 | 1,802,000 | 2,430,000 |
| Income tax | 203,000 | 483,000 | 690,000 | 932,000 |
| Net income | 327,000 | 779,000 | 1,112,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,999,000 | 13,450,000 | 13,376,000 | 13,762,000 |
| Total capital | 14,293,000 | 14,779,000 | 14,721,000 | 15,169,000 |
| Risk-weighted assets | 103,274,000 | 105,977,000 | 107,250,000 | 112,211,000 |