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 | 490,181,000 | 500,283,000 | 519,890,000 | 538,036,000 |
| Total loans | 296,558,000 | 301,396,000 | 304,370,000 | 315,200,000 |
| Allowance for loan losses | 3,354,000 | 3,428,000 | 3,316,000 | 3,387,000 |
| Securities available for sale | 75,492,000 | 79,693,000 | 81,265,000 | 86,669,000 |
| Securities held to maturity | 1,256,000 | 1,253,000 | 771,000 | 769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,533,000 | 404,324,000 | 425,054,000 | 439,308,000 |
| Interest-bearing deposits | 255,095,000 | 253,367,000 | 266,100,000 | 264,015,000 |
| Noninterest-bearing deposits | 138,438,000 | 150,957,000 | 158,954,000 | 175,293,000 |
| Equity capital | 60,053,000 | 60,834,000 | 61,579,000 | 60,380,000 |
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 | 5,142,000 | 9,807,000 | 14,599,000 | 18,852,000 |
| Interest expense | 155,000 | 302,000 | 446,000 | 591,000 |
| Net interest income | 4,987,000 | 9,505,000 | 14,153,000 | 18,261,000 |
| Noninterest income | 1,134,000 | 1,930,000 | 2,658,000 | 3,737,000 |
| Noninterest expense | 3,869,000 | 7,691,000 | 11,314,000 | 14,899,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 2,177,000 | 3,594,000 | 5,272,000 | 6,699,000 |
| Income tax | 779,000 | 1,257,000 | 1,845,000 | 2,340,000 |
| Net income | 1,398,000 | 2,337,000 | 3,427,000 | 4,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,003,000 | 60,941,000 | 61,635,000 | 60,469,000 |
| Total capital | 63,534,000 | 64,546,000 | 65,128,000 | 64,047,000 |
| Risk-weighted assets | 355,938,000 | 357,880,000 | 364,644,000 | 375,551,000 |