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 | 174,712,000 | 172,188,000 | 168,192,000 | 168,247,000 |
| Total loans | 120,457,000 | 119,302,000 | 118,986,000 | 117,374,000 |
| Allowance for loan losses | 4,788,000 | 4,819,000 | 5,422,000 | 3,938,000 |
| Securities available for sale | 23,286,000 | 23,044,000 | 24,831,000 | 24,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,047,000 | 150,070,000 | 145,820,000 | 145,858,000 |
| Interest-bearing deposits | 119,096,000 | 116,683,000 | 111,901,000 | 109,632,000 |
| Noninterest-bearing deposits | 32,951,000 | 33,387,000 | 33,919,000 | 36,227,000 |
| Equity capital | 20,549,000 | 20,359,000 | 20,596,000 | 20,437,000 |
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 | 1,680,000 | 3,437,000 | 5,090,000 | 6,699,000 |
| Interest expense | 173,000 | 328,000 | 461,000 | 586,000 |
| Net interest income | 1,507,000 | 3,109,000 | 4,629,000 | 6,113,000 |
| Noninterest income | 302,000 | 398,000 | 690,000 | 923,000 |
| Noninterest expense | 1,338,000 | 2,512,000 | 3,945,000 | 5,413,000 |
| Provision for loan losses | 175,000 | 375,000 | 525,000 | 525,000 |
| Pretax income | 296,000 | 620,000 | 849,000 | 1,098,000 |
| Income tax | 93,000 | 248,000 | 252,000 | 317,000 |
| Net income | 203,000 | 372,000 | 597,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,843,000 | 20,142,000 | 20,337,000 | 19,947,000 |
| Total capital | 21,781,000 | 21,954,000 | 22,033,000 | 21,544,000 |
| Risk-weighted assets | 152,201,000 | 141,948,000 | 131,987,000 | 125,437,000 |