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 | 72,768,000 | 72,184,000 | 72,363,000 | 70,591,000 |
| Total loans | 29,477,000 | 29,449,000 | 31,277,000 | 32,777,000 |
| Allowance for loan losses | 398,000 | 383,000 | 346,000 | 323,000 |
| Securities available for sale | 24,917,000 | 25,074,000 | 22,993,000 | 24,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,583,000 | 64,281,000 | 64,269,000 | 62,683,000 |
| Interest-bearing deposits | 51,190,000 | 50,750,000 | 49,922,000 | 49,353,000 |
| Noninterest-bearing deposits | 13,393,000 | 13,531,000 | 14,347,000 | 13,330,000 |
| Equity capital | 7,801,000 | 7,513,000 | 7,709,000 | 7,539,000 |
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 | 625,000 | 1,278,000 | 1,936,000 | 2,612,000 |
| Interest expense | 85,000 | 167,000 | 252,000 | 327,000 |
| Net interest income | 540,000 | 1,111,000 | 1,684,000 | 2,285,000 |
| Noninterest income | 152,000 | 318,000 | 505,000 | 687,000 |
| Noninterest expense | 612,000 | 1,207,000 | 1,739,000 | 2,448,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 80,000 | 222,000 | 518,000 | 585,000 |
| Income tax | 0 | 29,000 | 64,000 | 137,000 |
| Net income | 80,000 | 193,000 | 454,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,442,000 | 7,555,000 | 7,816,000 | 7,710,000 |
| Total capital | 7,840,000 | 7,938,000 | 8,162,000 | 8,033,000 |
| Risk-weighted assets | 35,791,000 | 35,937,000 | 34,798,000 | 39,077,000 |