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 | 688,366,000 | 674,644,000 | 670,081,000 | 678,813,000 |
| Total loans | 432,250,000 | 416,886,000 | 457,389,000 | 472,110,000 |
| Allowance for loan losses | 7,196,000 | 7,130,000 | 5,915,000 | 6,508,000 |
| Securities available for sale | 98,189,000 | 97,941,000 | 96,013,000 | 96,216,000 |
| Securities held to maturity | 24,156,000 | 21,152,000 | 20,301,000 | 19,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,617,000 | 595,419,000 | 590,217,000 | 598,808,000 |
| Interest-bearing deposits | 528,963,000 | 511,290,000 | 506,609,000 | 510,849,000 |
| Noninterest-bearing deposits | 80,654,000 | 84,129,000 | 83,608,000 | 87,959,000 |
| Equity capital | 76,956,000 | 77,165,000 | 77,694,000 | 77,995,000 |
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 | 5,731,000 | 11,326,000 | 16,887,000 | 22,396,000 |
| Interest expense | 765,000 | 1,441,000 | 2,065,000 | 2,649,000 |
| Net interest income | 4,966,000 | 9,885,000 | 14,822,000 | 19,747,000 |
| Noninterest income | 1,269,000 | 2,982,000 | 4,198,000 | 4,779,000 |
| Noninterest expense | 4,114,000 | 8,475,000 | 12,610,000 | 16,633,000 |
| Provision for loan losses | 600,000 | 1,050,000 | 1,650,000 | 2,220,000 |
| Pretax income | 1,532,000 | 3,353,000 | 4,771,000 | 5,684,000 |
| Income tax | 449,000 | 1,160,000 | 1,556,000 | 1,632,000 |
| Net income | 1,083,000 | 2,193,000 | 3,215,000 | 4,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,391,000 | 78,500,000 | 79,522,000 | 80,108,000 |
| Total capital | 82,189,000 | 83,243,000 | 84,322,000 | 85,026,000 |
| Risk-weighted assets | 381,405,000 | 377,015,000 | 382,871,000 | 391,846,000 |