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 | 544,629,000 | 530,452,000 | 544,210,000 | 538,454,000 |
| Total loans | 290,981,000 | 294,435,000 | 297,111,000 | 289,330,000 |
| Allowance for loan losses | 6,028,000 | 4,787,000 | 5,201,000 | 5,608,000 |
| Securities available for sale | 209,862,000 | 205,984,000 | 201,789,000 | 211,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,890,000 | 416,207,000 | 425,783,000 | 425,299,000 |
| Interest-bearing deposits | 387,914,000 | 374,457,000 | 382,184,000 | 378,971,000 |
| Noninterest-bearing deposits | 44,976,000 | 41,750,000 | 43,599,000 | 46,328,000 |
| Equity capital | 58,599,000 | 56,917,000 | 56,058,000 | 53,272,000 |
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 | 5,730,000 | 11,431,000 | 17,159,000 | 22,899,000 |
| Interest expense | 1,104,000 | 2,131,000 | 3,112,000 | 4,080,000 |
| Net interest income | 4,626,000 | 9,300,000 | 14,047,000 | 18,819,000 |
| Noninterest income | 731,000 | 1,484,000 | 2,409,000 | 3,256,000 |
| Noninterest expense | 3,697,000 | 7,278,000 | 10,673,000 | 14,439,000 |
| Provision for loan losses | 300,000 | 815,000 | 1,415,000 | 2,035,000 |
| Pretax income | 1,412,000 | 2,743,000 | 4,420,000 | 5,678,000 |
| Income tax | 275,000 | 508,000 | 816,000 | 1,158,000 |
| Net income | 1,137,000 | 2,235,000 | 3,604,000 | 4,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,601,000 | 56,707,000 | 58,084,000 | 55,609,000 |
| Total capital | 59,250,000 | 60,384,000 | 61,832,000 | 59,308,000 |
| Risk-weighted assets | 289,508,000 | 293,005,000 | 299,832,000 | 293,998,000 |