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 | 618,525,000 | 615,169,000 | 635,905,000 | 638,724,000 |
| Total loans | 409,120,000 | 394,713,000 | 426,366,000 | 423,617,000 |
| Allowance for loan losses | 5,794,000 | 5,558,000 | 5,472,000 | 4,891,000 |
| Securities available for sale | 162,629,000 | 170,054,000 | 169,639,000 | 181,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,358,000 | 497,795,000 | 490,635,000 | 507,223,000 |
| Interest-bearing deposits | 444,263,000 | 430,965,000 | 409,369,000 | 429,952,000 |
| Noninterest-bearing deposits | 65,095,000 | 66,830,000 | 81,266,000 | 77,271,000 |
| Equity capital | 92,602,000 | 91,067,000 | 91,858,000 | 83,497,000 |
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 | 6,460,000 | 12,674,000 | 18,931,000 | 25,412,000 |
| Interest expense | 628,000 | 1,229,000 | 1,808,000 | 2,363,000 |
| Net interest income | 5,832,000 | 11,445,000 | 17,123,000 | 23,049,000 |
| Noninterest income | 521,000 | 1,514,000 | 2,358,000 | 3,408,000 |
| Noninterest expense | 3,840,000 | 7,793,000 | 11,606,000 | 16,003,000 |
| Provision for loan losses | 0 | 19,000 | 60,000 | -471,000 |
| Pretax income | 2,565,000 | 5,287,000 | 7,988,000 | 11,121,000 |
| Income tax | 125,000 | 257,000 | 387,000 | 683,000 |
| Net income | 2,440,000 | 5,030,000 | 7,601,000 | 10,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,604,000 | 86,136,000 | 88,702,000 | 81,500,000 |
| Total capital | 87,501,000 | 90,028,000 | 92,663,000 | 85,362,000 |
| Risk-weighted assets | 309,852,000 | 309,664,000 | 315,384,000 | 307,948,000 |