Call reports 2013
CITIZENS BANK, THE — 2013
What CITIZENS BANK, THE 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 | 123,323,000 | 119,246,000 | 120,413,000 | 118,574,000 |
| Total loans | 79,333,000 | 83,470,000 | 86,119,000 | 85,737,000 |
| Allowance for loan losses | 697,000 | 715,000 | 719,000 | 831,000 |
| Securities available for sale | 28,162,000 | 22,676,000 | 21,214,000 | 18,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,094,000 | 92,523,000 | 91,533,000 | 97,323,000 |
| Interest-bearing deposits | 74,817,000 | 67,200,000 | 66,231,000 | 70,605,000 |
| Noninterest-bearing deposits | 26,277,000 | 25,323,000 | 25,302,000 | 26,718,000 |
| Equity capital | 12,153,000 | 11,479,000 | 11,810,000 | 11,638,000 |
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 | 1,253,000 | 2,514,000 | 3,792,000 | 5,044,000 |
| Interest expense | 205,000 | 330,000 | 392,000 | 447,000 |
| Net interest income | 1,048,000 | 2,184,000 | 3,400,000 | 4,597,000 |
| Noninterest income | 300,000 | 624,000 | 893,000 | 1,211,000 |
| Noninterest expense | 1,078,000 | 2,213,000 | 3,326,000 | 4,416,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 323,000 |
| Pretax income | 219,000 | 502,000 | 823,000 | 1,080,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 243,000 | 526,000 | 847,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,407,000 | 9,422,000 | 9,604,000 | 9,554,000 |
| Total capital | 10,104,000 | 10,137,000 | 10,323,000 | 10,385,000 |
| Risk-weighted assets | 69,234,000 | 70,927,000 | 72,660,000 | 72,045,000 |