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 | 44,560,000 | 45,569,000 | 37,538,000 | 41,029,000 |
| Total loans | 20,255,000 | 19,519,000 | 19,573,000 | 18,814,000 |
| Allowance for loan losses | 590,000 | 633,000 | 545,000 | 551,000 |
| Securities available for sale | 9,412,000 | 9,250,000 | 8,242,000 | 8,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,635,000 | 40,781,000 | 32,746,000 | 36,377,000 |
| Interest-bearing deposits | 28,949,000 | 25,191,000 | 24,876,000 | 29,182,000 |
| Noninterest-bearing deposits | 10,686,000 | 15,590,000 | 7,870,000 | 7,195,000 |
| Equity capital | 4,839,000 | 4,744,000 | 4,755,000 | 4,596,000 |
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 | 343,000 | 667,000 | 993,000 | 1,290,000 |
| Interest expense | 29,000 | 54,000 | 80,000 | 104,000 |
| Net interest income | 314,000 | 613,000 | 913,000 | 1,186,000 |
| Noninterest income | 36,000 | 72,000 | 137,000 | 78,000 |
| Noninterest expense | 341,000 | 671,000 | 1,025,000 | 1,377,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 14,000 | 25,000 | -113,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 9,000 | 14,000 | 25,000 | -113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,758,000 | 4,763,000 | 4,774,000 | 4,636,000 |
| Total capital | 5,022,000 | 4,992,000 | 5,023,000 | 4,871,000 |
| Risk-weighted assets | 20,810,000 | 17,955,000 | 19,630,000 | 18,515,000 |
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