Call reports 2013
CITIZENS BANK, NATIONAL ASSOCIATION — 2013
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 104,750,000 | 102,097,000 | 103,892,000 | 106,942,000 |
| Total loans | 67,910,000 | 69,225,000 | 70,152,000 | 73,495,000 |
| Allowance for loan losses | 987,000 | 986,000 | 987,000 | 1,037,000 |
| Securities available for sale | 19,701,000 | 19,458,000 | 20,386,000 | 20,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,639,000 | 79,850,000 | 79,913,000 | 81,580,000 |
| Interest-bearing deposits | 52,596,000 | 52,470,000 | 52,232,000 | 51,239,000 |
| Noninterest-bearing deposits | 34,043,000 | 27,380,000 | 27,681,000 | 30,341,000 |
| Equity capital | 12,506,000 | 12,520,000 | 12,361,000 | 12,795,000 |
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 | 960,000 | 1,941,000 | 2,937,000 | 3,974,000 |
| Interest expense | 31,000 | 61,000 | 90,000 | 118,000 |
| Net interest income | 929,000 | 1,880,000 | 2,847,000 | 3,856,000 |
| Noninterest income | 136,000 | 271,000 | 418,000 | 564,000 |
| Noninterest expense | 593,000 | 1,211,000 | 1,815,000 | 2,445,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 472,000 | 940,000 | 1,449,000 | 1,924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 472,000 | 940,000 | 1,449,000 | 1,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,277,000 | 8,440,000 | 8,450,000 | 8,725,000 |
| Total capital | 9,264,000 | 9,416,000 | 9,435,000 | 9,746,000 |
| Risk-weighted assets | 80,249,000 | 78,051,000 | 78,818,000 | 81,639,000 |