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 | 519,887,000 | 522,162,000 | 514,197,000 | 516,723,000 |
| Total loans | 221,444,000 | 217,413,000 | 211,461,000 | 209,179,000 |
| Allowance for loan losses | 5,040,000 | 5,143,000 | 3,219,000 | 3,145,000 |
| Securities available for sale | 51,470,000 | 53,606,000 | 55,181,000 | 54,958,000 |
| Securities held to maturity | 210,901,000 | 213,107,000 | 211,600,000 | 216,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,037,000 | 433,993,000 | 432,235,000 | 432,197,000 |
| Interest-bearing deposits | 383,147,000 | 375,411,000 | 381,067,000 | 380,148,000 |
| Noninterest-bearing deposits | 49,890,000 | 58,582,000 | 51,168,000 | 52,049,000 |
| Equity capital | 84,815,000 | 86,429,000 | 80,391,000 | 83,003,000 |
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 | 5,758,000 | 11,637,000 | 17,472,000 | 23,257,000 |
| Interest expense | 689,000 | 1,344,000 | 1,974,000 | 2,575,000 |
| Net interest income | 5,069,000 | 10,293,000 | 15,498,000 | 20,682,000 |
| Noninterest income | 662,000 | 1,361,000 | 1,952,000 | 2,475,000 |
| Noninterest expense | 1,935,000 | 3,623,000 | 5,505,000 | 7,790,000 |
| Provision for loan losses | 374,000 | 504,000 | 504,000 | 504,000 |
| Pretax income | 3,739,000 | 7,844,000 | 11,758,000 | 15,191,000 |
| Income tax | 784,000 | 1,871,000 | 2,575,000 | 3,306,000 |
| Net income | 2,955,000 | 5,973,000 | 9,183,000 | 11,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,914,000 | 87,932,000 | 83,734,000 | 86,437,000 |
| Total capital | 88,959,000 | 91,997,000 | 86,953,000 | 89,582,000 |
| Risk-weighted assets | 322,582,000 | 324,129,000 | 321,082,000 | 321,860,000 |