Call reports 2013
CITIZENS' BANK, INC. — 2013
What CITIZENS' BANK, INC. 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 | 117,502,000 | 104,033,000 | 105,809,000 | 104,038,000 |
| Total loans | 61,635,000 | 62,477,000 | 62,920,000 | 64,343,000 |
| Allowance for loan losses | 1,565,000 | 1,457,000 | 1,268,000 | 1,086,000 |
| Securities available for sale | 25,484,000 | 23,546,000 | 24,200,000 | 24,218,000 |
| Securities held to maturity | 1,957,000 | 1,956,000 | 1,956,000 | 1,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,659,000 | 87,421,000 | 89,259,000 | 87,795,000 |
| Interest-bearing deposits | 77,407,000 | 67,348,000 | 67,950,000 | 66,726,000 |
| Noninterest-bearing deposits | 23,253,000 | 20,073,000 | 21,308,000 | 21,069,000 |
| Equity capital | 11,329,000 | 11,049,000 | 10,979,000 | 10,713,000 |
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 | 991,000 | 1,994,000 | 2,992,000 | 4,008,000 |
| Interest expense | 146,000 | 277,000 | 394,000 | 496,000 |
| Net interest income | 845,000 | 1,717,000 | 2,598,000 | 3,512,000 |
| Noninterest income | 126,000 | 270,000 | 341,000 | 385,000 |
| Noninterest expense | 889,000 | 1,799,000 | 2,678,000 | 3,612,000 |
| Provision for loan losses | 0 | 0 | 0 | 82,000 |
| Pretax income | 96,000 | 209,000 | 282,000 | 230,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 23,000 |
| Net income | 91,000 | 199,000 | 267,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,592,000 | 10,699,000 | 10,768,000 | 10,707,000 |
| Total capital | 11,473,000 | 11,548,000 | 11,621,000 | 11,558,000 |
| Risk-weighted assets | 69,777,000 | 67,312,000 | 67,800,000 | 67,824,000 |