Call reports 2011
CITIZENS BANK, THE — 2011
What CITIZENS BANK, THE 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 | 600,818,000 | 603,810,000 | 631,687,000 | 645,065,000 |
| Total loans | 208,091,000 | 208,239,000 | 200,474,000 | 197,216,000 |
| Allowance for loan losses | 3,850,000 | 3,923,000 | 4,014,000 | 3,195,000 |
| Securities available for sale | 334,844,000 | 345,338,000 | 360,866,000 | 389,678,000 |
| Securities held to maturity | 5,370,000 | 3,395,000 | 2,809,000 | 2,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,487,000 | 493,078,000 | 517,572,000 | 516,674,000 |
| Interest-bearing deposits | 358,739,000 | 361,703,000 | 380,888,000 | 386,596,000 |
| Noninterest-bearing deposits | 133,748,000 | 131,375,000 | 136,684,000 | 130,078,000 |
| Equity capital | 55,092,000 | 57,553,000 | 62,685,000 | 64,152,000 |
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 | 6,047,000 | 12,527,000 | 18,706,000 | 24,718,000 |
| Interest expense | 921,000 | 1,754,000 | 2,571,000 | 3,359,000 |
| Net interest income | 5,126,000 | 10,773,000 | 16,135,000 | 21,359,000 |
| Noninterest income | 1,430,000 | 2,979,000 | 4,573,000 | 6,096,000 |
| Noninterest expense | 3,774,000 | 7,219,000 | 10,754,000 | 14,256,000 |
| Provision for loan losses | 200,000 | 368,000 | 533,000 | 835,000 |
| Pretax income | 2,521,000 | 4,252,000 | 7,294,000 | 10,228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,521,000 | 4,252,000 | 7,294,000 | 10,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,417,000 | 51,405,000 | 52,710,000 | 55,593,000 |
| Total capital | 55,030,000 | 54,983,000 | 56,230,000 | 59,119,000 |
| Risk-weighted assets | 288,332,000 | 285,496,000 | 280,752,000 | 285,187,000 |