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 | 401,602,000 | 404,040,000 | 383,870,000 | 379,274,000 |
| Total loans | 224,931,000 | 223,582,000 | 224,840,000 | 224,822,000 |
| Allowance for loan losses | 4,630,000 | 4,644,000 | 4,657,000 | 4,606,000 |
| Securities available for sale | 52,215,000 | 53,629,000 | 56,378,000 | 56,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,953,000 | 359,741,000 | 338,760,000 | 335,108,000 |
| Interest-bearing deposits | 289,480,000 | 292,190,000 | 270,443,000 | 272,906,000 |
| Noninterest-bearing deposits | 67,473,000 | 67,551,000 | 68,317,000 | 62,202,000 |
| Equity capital | 35,848,000 | 35,371,000 | 35,346,000 | 35,284,000 |
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 | 3,677,000 | 7,399,000 | 11,164,000 | 14,883,000 |
| Interest expense | 408,000 | 790,000 | 1,153,000 | 1,489,000 |
| Net interest income | 3,269,000 | 6,609,000 | 10,011,000 | 13,394,000 |
| Noninterest income | 1,093,000 | 2,077,000 | 3,228,000 | 4,123,000 |
| Noninterest expense | 3,123,000 | 6,192,000 | 9,644,000 | 12,937,000 |
| Provision for loan losses | 165,000 | 230,000 | 295,000 | 495,000 |
| Pretax income | 1,074,000 | 2,264,000 | 3,300,000 | 4,085,000 |
| Income tax | 365,000 | 778,000 | 1,143,000 | 1,387,000 |
| Net income | 709,000 | 1,486,000 | 2,157,000 | 2,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,627,000 | 32,446,000 | 33,159,000 | 33,242,000 |
| Total capital | 34,429,000 | 35,250,000 | 35,973,000 | 36,063,000 |
| Risk-weighted assets | 222,310,000 | 222,510,000 | 223,351,000 | 223,919,000 |
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