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 | 283,297,000 | 276,203,000 | 264,129,000 | 263,787,000 |
| Total loans | 190,506,000 | 184,807,000 | 178,878,000 | 176,636,000 |
| Allowance for loan losses | 3,233,000 | 2,932,000 | 2,885,000 | 3,074,000 |
| Securities available for sale | 12,339,000 | 11,813,000 | 9,810,000 | 5,300,000 |
| Securities held to maturity | 13,364,000 | 13,210,000 | 12,067,000 | 24,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,807,000 | 247,640,000 | 235,449,000 | 235,105,000 |
| Interest-bearing deposits | 221,054,000 | 215,683,000 | 203,196,000 | 201,283,000 |
| Noninterest-bearing deposits | 33,753,000 | 31,957,000 | 32,253,000 | 33,822,000 |
| Equity capital | 27,243,000 | 27,371,000 | 27,539,000 | 27,669,000 |
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 | 2,811,000 | 5,577,000 | 8,296,000 | 10,936,000 |
| Interest expense | 617,000 | 1,171,000 | 1,674,000 | 2,120,000 |
| Net interest income | 2,194,000 | 4,406,000 | 6,622,000 | 8,816,000 |
| Noninterest income | 281,000 | 328,000 | 388,000 | 468,000 |
| Noninterest expense | 1,635,000 | 3,308,000 | 4,949,000 | 6,646,000 |
| Provision for loan losses | 725,000 | 1,175,000 | 1,650,000 | 2,095,000 |
| Pretax income | 115,000 | 251,000 | 411,000 | 543,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 251,000 | 411,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,241,000 | 27,377,000 | 27,536,000 | 27,668,000 |
| Total capital | 29,610,000 | 29,664,000 | 29,744,000 | 29,845,000 |
| Risk-weighted assets | 188,645,000 | 182,352,000 | 176,000,000 | 173,253,000 |
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