Call reports 2013
CITIZENS FINANCIAL BANK — 2013
What CITIZENS FINANCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 1,146,779,000 | 1,131,978,000 | 1,117,907,000 |
| Total loans | 664,883,000 | 661,303,000 | 648,543,000 |
| Allowance for loan losses | 12,024,000 | 12,660,000 | 12,382,000 |
| Securities available for sale | 220,196,000 | 219,931,000 | 184,205,000 |
| Securities held to maturity | 14,981,000 | 12,984,000 | 17,495,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 981,321,000 | 968,281,000 | 953,026,000 |
| Interest-bearing deposits | 860,721,000 | 851,804,000 | 834,515,000 |
| Noninterest-bearing deposits | 120,600,000 | 116,477,000 | 118,511,000 |
| Equity capital | 112,374,000 | 111,319,000 | 111,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Interest income | 9,602,000 | 19,141,000 | 28,610,000 |
| Interest expense | 1,216,000 | 2,332,000 | 3,368,000 |
| Net interest income | 8,386,000 | 16,809,000 | 25,242,000 |
| Noninterest income | 2,946,000 | 4,905,000 | 7,177,000 |
| Noninterest expense | 8,716,000 | 17,745,000 | 26,522,000 |
| Provision for loan losses | 510,000 | 1,586,000 | 3,361,000 |
| Pretax income | 2,270,000 | 2,739,000 | 4,471,000 |
| Income tax | 657,000 | 696,000 | 896,000 |
| Net income | 1,613,000 | 2,043,000 | 3,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 101,269,000 | 101,959,000 | 103,089,000 |
| Total capital | 110,607,000 | 111,070,000 | 111,799,000 |
| Risk-weighted assets | 744,301,000 | 725,285,000 | 693,106,000 |