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 | 94,699,000 | 93,847,000 | 93,572,000 | 96,486,000 |
| Total loans | 36,469,000 | 38,843,000 | 42,083,000 | 43,494,000 |
| Allowance for loan losses | 1,008,000 | 841,000 | 841,000 | 757,000 |
| Securities available for sale | 40,109,000 | 41,894,000 | 41,410,000 | 40,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,596,000 | 81,265,000 | 84,152,000 | 85,482,000 |
| Interest-bearing deposits | 50,686,000 | 51,163,000 | 52,233,000 | 54,346,000 |
| Noninterest-bearing deposits | 33,910,000 | 30,102,000 | 31,919,000 | 31,136,000 |
| Equity capital | 9,841,000 | 9,427,000 | 9,239,000 | 10,846,000 |
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 | 697,000 | 1,383,000 | 2,147,000 | 2,957,000 |
| Interest expense | 75,000 | 155,000 | 236,000 | 321,000 |
| Net interest income | 622,000 | 1,228,000 | 1,911,000 | 2,636,000 |
| Noninterest income | 519,000 | 662,000 | 782,000 | 946,000 |
| Noninterest expense | 712,000 | 1,491,000 | 2,222,000 | 3,000,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 476,000 | 691,000 | 763,000 | 874,000 |
| Income tax | 0 | 0 | 0 | -1,531,000 |
| Net income | 476,000 | 691,000 | 763,000 | 2,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,663,000 | 9,878,000 | 9,950,000 | 10,337,000 |
| Total capital | 10,236,000 | 10,458,000 | 10,568,000 | 11,000,000 |
| Risk-weighted assets | 45,492,000 | 46,157,000 | 49,241,000 | 52,947,000 |
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