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 | 27,031,000 | 25,595,000 | 26,523,000 | 27,257,000 |
| Total loans | 11,978,000 | 12,434,000 | 12,499,000 | 12,205,000 |
| Allowance for loan losses | 205,000 | 215,000 | 217,000 | 185,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,411,000 | 6,739,000 | 7,640,000 | 7,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,287,000 | 20,776,000 | 21,627,000 | 22,385,000 |
| Interest-bearing deposits | 14,194,000 | 13,717,000 | 14,186,000 | 14,756,000 |
| Noninterest-bearing deposits | 8,093,000 | 7,059,000 | 7,441,000 | 7,629,000 |
| Equity capital | 4,691,000 | 4,746,000 | 4,788,000 | 4,809,000 |
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 | 278,000 | 552,000 | 829,000 | 1,103,000 |
| Interest expense | 14,000 | 27,000 | 42,000 | 57,000 |
| Net interest income | 264,000 | 525,000 | 787,000 | 1,046,000 |
| Noninterest income | 38,000 | 81,000 | 120,000 | 160,000 |
| Noninterest expense | 244,000 | 467,000 | 702,000 | 963,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 47,000 |
| Pretax income | 49,000 | 121,000 | 178,000 | 196,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 40,000 |
| Net income | 34,000 | 91,000 | 133,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,691,000 | 4,746,000 | 4,788,000 | 4,809,000 |
| Total capital | 4,844,000 | 4,902,000 | 4,947,000 | 4,965,000 |
| Risk-weighted assets | 12,189,000 | 12,387,000 | 12,624,000 | 12,416,000 |
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