Call reports 2012
CITIZENS BANK, THE — 2012
What CITIZENS BANK, THE 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 | 674,058,000 | 687,047,000 | 688,687,000 | 696,428,000 |
| Total loans | 187,514,000 | 193,516,000 | 193,855,000 | 198,870,000 |
| Allowance for loan losses | 3,253,000 | 3,103,000 | 3,169,000 | 3,175,000 |
| Securities available for sale | 429,201,000 | 432,849,000 | 432,829,000 | 376,725,000 |
| Securities held to maturity | 1,499,000 | 0 | 0 | 60,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,249,000 | 556,177,000 | 555,694,000 | 566,650,000 |
| Interest-bearing deposits | 410,948,000 | 420,059,000 | 413,180,000 | 414,338,000 |
| Noninterest-bearing deposits | 133,301,000 | 136,118,000 | 142,514,000 | 152,312,000 |
| Equity capital | 63,419,000 | 66,280,000 | 68,502,000 | 67,941,000 |
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 | 5,911,000 | 11,848,000 | 17,511,000 | 23,122,000 |
| Interest expense | 736,000 | 1,455,000 | 2,155,000 | 2,823,000 |
| Net interest income | 5,175,000 | 10,393,000 | 15,356,000 | 20,299,000 |
| Noninterest income | 1,452,000 | 3,018,000 | 4,596,000 | 6,050,000 |
| Noninterest expense | 3,702,000 | 7,382,000 | 10,941,000 | 14,583,000 |
| Provision for loan losses | 61,000 | 229,000 | 382,000 | 436,000 |
| Pretax income | 2,746,000 | 5,518,000 | 8,207,000 | 10,536,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,746,000 | 5,518,000 | 8,207,000 | 10,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,333,000 | 57,141,000 | 57,886,000 | 58,978,000 |
| Total capital | 59,820,000 | 60,586,000 | 61,298,000 | 62,527,000 |
| Risk-weighted assets | 278,806,000 | 282,506,000 | 272,865,000 | 289,732,000 |