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 | 103,050,000 | 103,052,000 | 101,818,000 | 99,743,000 |
| Total loans | 45,460,000 | 45,306,000 | 47,055,000 | 48,717,000 |
| Allowance for loan losses | 447,000 | 460,000 | 461,000 | 469,000 |
| Securities available for sale | 44,673,000 | 44,346,000 | 41,706,000 | 39,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,475,000 | 85,815,000 | 83,970,000 | 82,720,000 |
| Interest-bearing deposits | 70,719,000 | 71,546,000 | 69,322,000 | 68,164,000 |
| Noninterest-bearing deposits | 15,756,000 | 14,269,000 | 14,648,000 | 14,556,000 |
| Equity capital | 11,299,000 | 11,931,000 | 12,485,000 | 11,728,000 |
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 | 1,013,000 | 2,016,000 | 3,015,000 | 3,991,000 |
| Interest expense | 273,000 | 529,000 | 773,000 | 1,010,000 |
| Net interest income | 740,000 | 1,487,000 | 2,242,000 | 2,981,000 |
| Noninterest income | 71,000 | 140,000 | 209,000 | 276,000 |
| Noninterest expense | 351,000 | 693,000 | 1,036,000 | 1,575,000 |
| Provision for loan losses | 0 | 0 | 0 | 17,000 |
| Pretax income | 460,000 | 934,000 | 1,465,000 | 1,715,000 |
| Income tax | 102,000 | 201,000 | 302,000 | 463,000 |
| Net income | 358,000 | 733,000 | 1,163,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,346,000 | 10,721,000 | 11,151,000 | 10,595,000 |
| Total capital | 10,793,000 | 11,181,000 | 11,612,000 | 11,064,000 |
| Risk-weighted assets | 54,917,000 | 54,878,000 | 55,897,000 | 56,895,000 |