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 | 146,131,000 | 145,357,000 | 145,925,000 | 143,574,000 |
| Total loans | 104,449,000 | 102,751,000 | 109,886,000 | 112,999,000 |
| Allowance for loan losses | 1,192,000 | 1,207,000 | 1,289,000 | 1,294,000 |
| Securities available for sale | 20,218,000 | 18,883,000 | 17,958,000 | 17,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,063,000 | 131,483,000 | 132,217,000 | 130,915,000 |
| Interest-bearing deposits | 106,418,000 | 103,954,000 | 104,266,000 | 103,237,000 |
| Noninterest-bearing deposits | 25,645,000 | 27,529,000 | 27,951,000 | 27,678,000 |
| Equity capital | 11,828,000 | 11,521,000 | 11,907,000 | 10,988,000 |
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 | 1,595,000 | 3,245,000 | 4,878,000 | 6,496,000 |
| Interest expense | 131,000 | 232,000 | 329,000 | 424,000 |
| Net interest income | 1,464,000 | 3,013,000 | 4,549,000 | 6,072,000 |
| Noninterest income | 178,000 | 380,000 | 569,000 | 581,000 |
| Noninterest expense | 1,429,000 | 2,832,000 | 3,697,000 | 5,254,000 |
| Provision for loan losses | 96,000 | 217,000 | 376,000 | 472,000 |
| Pretax income | 327,000 | 554,000 | 1,255,000 | 1,137,000 |
| Income tax | 0 | 0 | 0 | -260,000 |
| Net income | 327,000 | 554,000 | 1,255,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,867,000 | 12,093,000 | 12,794,000 | 11,936,000 |
| Total capital | 13,059,000 | 13,300,000 | 14,083,000 | 13,230,000 |
| Risk-weighted assets | 101,239,000 | 98,274,000 | 105,376,000 | 105,710,000 |