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 | 373,543,000 | 382,986,000 | 377,949,000 | 378,129,000 |
| Total loans | 243,366,000 | 245,595,000 | 245,777,000 | 248,864,000 |
| Allowance for loan losses | 4,491,000 | 4,221,000 | 3,917,000 | 3,631,000 |
| Securities available for sale | 70,708,000 | 70,840,000 | 70,324,000 | 70,937,000 |
| Securities held to maturity | 14,552,000 | 13,932,000 | 13,618,000 | 13,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,049,000 | 334,387,000 | 327,972,000 | 330,506,000 |
| Interest-bearing deposits | 255,276,000 | 263,899,000 | 258,386,000 | 261,415,000 |
| Noninterest-bearing deposits | 68,773,000 | 70,488,000 | 69,586,000 | 69,090,000 |
| Equity capital | 35,597,000 | 35,436,000 | 35,226,000 | 36,176,000 |
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 | 3,585,000 | 7,158,000 | 10,673,000 | 14,100,000 |
| Interest expense | 412,000 | 812,000 | 1,208,000 | 1,596,000 |
| Net interest income | 3,173,000 | 6,346,000 | 9,465,000 | 12,504,000 |
| Noninterest income | 999,000 | 1,964,000 | 2,925,000 | 3,860,000 |
| Noninterest expense | 3,342,000 | 6,606,000 | 9,886,000 | 13,135,000 |
| Provision for loan losses | 75,000 | 165,000 | -95,000 | -272,000 |
| Pretax income | 755,000 | 1,539,000 | 2,599,000 | 3,501,000 |
| Income tax | 205,000 | 425,000 | 756,000 | 1,079,000 |
| Net income | 550,000 | 1,114,000 | 1,843,000 | 2,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,742,000 | 35,622,000 | 35,920,000 | 36,856,000 |
| Total capital | 37,979,000 | 39,013,000 | 39,405,000 | 40,362,000 |
| Risk-weighted assets | 257,711,000 | 276,968,000 | 278,445,000 | 280,375,000 |
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