Call reports 2013
CITIZENS BANK COMPANY, THE — 2013
What CITIZENS BANK COMPANY, 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 | 109,548,000 | 103,647,000 | 105,436,000 | 167,356,000 |
| Total loans | 50,119,000 | 50,323,000 | 53,367,000 | 76,432,000 |
| Allowance for loan losses | 823,000 | 827,000 | 824,000 | 1,101,000 |
| Securities available for sale | 45,762,000 | 46,831,000 | 45,940,000 | 81,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,090,000 | 91,053,000 | 91,532,000 | 144,508,000 |
| Interest-bearing deposits | 79,298,000 | 77,195,000 | 77,877,000 | 121,186,000 |
| Noninterest-bearing deposits | 14,792,000 | 13,858,000 | 13,655,000 | 23,322,000 |
| Equity capital | 13,157,000 | 11,992,000 | 12,291,000 | 18,299,000 |
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 | 1,109,000 | 2,211,000 | 3,332,000 | 7,037,000 |
| Interest expense | 113,000 | 228,000 | 332,000 | 675,000 |
| Net interest income | 996,000 | 1,983,000 | 3,000,000 | 6,362,000 |
| Noninterest income | 155,000 | 338,000 | 484,000 | 888,000 |
| Noninterest expense | 708,000 | 1,464,000 | 2,184,000 | 5,277,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 461,000 | 896,000 | 1,295,000 | 2,190,000 |
| Income tax | 135,000 | 250,000 | 350,000 | 449,000 |
| Net income | 326,000 | 646,000 | 945,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,718,000 | 12,005,000 | 12,261,000 | 19,637,000 |
| Total capital | 12,426,000 | 12,720,000 | 13,008,000 | 20,738,000 |
| Risk-weighted assets | 56,493,000 | 57,060,000 | 59,695,000 | 88,110,000 |