Call reports 2013
CITIZENS BANK — 2013
What CITIZENS 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 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 354,695,000 | 348,881,000 | 363,388,000 | 394,768,000 |
| Total loans | 161,431,000 | 166,619,000 | 169,835,000 | 171,341,000 |
| Allowance for loan losses | 3,354,000 | 3,420,000 | 3,502,000 | 3,402,000 |
| Securities available for sale | 44,137,000 | 46,970,000 | 50,222,000 | 61,194,000 |
| Securities held to maturity | 7,007,000 | 6,763,000 | 6,511,000 | 4,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,628,000 | 312,024,000 | 326,113,000 | 357,244,000 |
| Interest-bearing deposits | 205,471,000 | 197,766,000 | 203,720,000 | 223,825,000 |
| Noninterest-bearing deposits | 112,157,000 | 114,259,000 | 122,394,000 | 133,419,000 |
| Equity capital | 34,262,000 | 34,092,000 | 34,398,000 | 34,791,000 |
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 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,708,000 | 5,472,000 | 8,353,000 | 11,292,000 |
| Interest expense | 184,000 | 339,000 | 486,000 | 628,000 |
| Net interest income | 2,524,000 | 5,133,000 | 7,867,000 | 10,664,000 |
| Noninterest income | 452,000 | 948,000 | 1,339,000 | 1,761,000 |
| Noninterest expense | 2,547,000 | 4,990,000 | 7,575,000 | 10,039,000 |
| Provision for loan losses | 77,000 | 156,000 | 237,000 | 312,000 |
| Pretax income | 352,000 | 935,000 | 1,394,000 | 2,074,000 |
| Income tax | 119,000 | 317,000 | 473,000 | 703,000 |
| Net income | 233,000 | 618,000 | 921,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,847,000 | 34,232,000 | 34,535,000 | 34,985,000 |
| Total capital | 36,599,000 | 36,925,000 | 37,122,000 | 37,544,000 |
| Risk-weighted assets | 219,563,000 | 213,944,000 | 213,617,000 | 206,887,000 |