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 | 125,436,000 | 127,549,000 | 128,940,000 | 131,115,000 |
| Total loans | 76,678,000 | 80,306,000 | 89,095,000 | 89,085,000 |
| Allowance for loan losses | 73,000 | 70,000 | 68,000 | 66,000 |
| Securities available for sale | 16,829,000 | 16,490,000 | 15,582,000 | 14,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,782,000 | 110,475,000 | 111,555,000 | 113,084,000 |
| Interest-bearing deposits | 89,770,000 | 90,457,000 | 90,138,000 | 91,456,000 |
| Noninterest-bearing deposits | 20,012,000 | 20,018,000 | 21,417,000 | 21,628,000 |
| Equity capital | 11,553,000 | 11,578,000 | 11,853,000 | 12,008,000 |
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 | 1,185,000 | 2,433,000 | 3,746,000 | 5,121,000 |
| Interest expense | 133,000 | 267,000 | 406,000 | 546,000 |
| Net interest income | 1,052,000 | 2,166,000 | 3,340,000 | 4,575,000 |
| Noninterest income | 108,000 | 224,000 | 333,000 | 441,000 |
| Noninterest expense | 797,000 | 1,565,000 | 2,424,000 | 3,313,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 363,000 | 825,000 | 1,249,000 | 1,703,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 363,000 | 825,000 | 1,249,000 | 1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,364,000 | 11,576,000 | 11,800,000 | 12,024,000 |
| Total capital | 11,437,000 | 11,646,000 | 11,868,000 | 12,090,000 |
| Risk-weighted assets | 89,666,000 | 93,506,000 | 101,251,000 | 100,276,000 |