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 | 93,533,000 | 98,307,000 | 101,557,000 | 103,987,000 |
| Total loans | 45,228,000 | 46,960,000 | 48,035,000 | 48,429,000 |
| Allowance for loan losses | 462,000 | 464,000 | 466,000 | 459,000 |
| Securities available for sale | 34,833,000 | 37,713,000 | 39,411,000 | 41,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,506,000 | 82,630,000 | 84,630,000 | 87,829,000 |
| Interest-bearing deposits | 67,970,000 | 70,132,000 | 69,063,000 | 71,033,000 |
| Noninterest-bearing deposits | 10,536,000 | 12,498,000 | 15,566,000 | 16,796,000 |
| Equity capital | 10,086,000 | 10,691,000 | 11,603,000 | 10,960,000 |
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 | 1,013,000 | 2,058,000 | 3,127,000 | 4,190,000 |
| Interest expense | 319,000 | 631,000 | 937,000 | 1,241,000 |
| Net interest income | 694,000 | 1,427,000 | 2,190,000 | 2,949,000 |
| Noninterest income | 88,000 | 158,000 | 216,000 | 290,000 |
| Noninterest expense | 331,000 | 654,000 | 979,000 | 1,499,000 |
| Provision for loan losses | 15,000 | 130,000 | 144,000 | 144,000 |
| Pretax income | 464,000 | 828,000 | 1,310,000 | 1,623,000 |
| Income tax | 95,000 | 182,000 | 287,000 | 392,000 |
| Net income | 369,000 | 646,000 | 1,023,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,771,000 | 10,048,000 | 10,426,000 | 9,987,000 |
| Total capital | 10,233,000 | 10,048,000 | 10,892,000 | 10,446,000 |
| Risk-weighted assets | 54,042,000 | 55,524,000 | 57,240,000 | 57,960,000 |