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 | 50,701,000 | 48,551,000 | 49,175,000 | 47,838,000 |
| Total loans | 20,140,000 | 20,156,000 | 21,021,000 | 21,274,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 221,000 |
| Securities available for sale | 22,562,000 | 25,267,000 | 23,281,000 | 22,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,035,000 | 38,717,000 | 42,070,000 | 39,232,000 |
| Interest-bearing deposits | 34,734,000 | 30,833,000 | 34,270,000 | 31,253,000 |
| Noninterest-bearing deposits | 8,301,000 | 7,884,000 | 7,800,000 | 7,979,000 |
| Equity capital | 4,234,000 | 3,585,000 | 3,798,000 | 3,802,000 |
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 | 402,000 | 793,000 | 1,208,000 | 1,628,000 |
| Interest expense | 59,000 | 118,000 | 172,000 | 224,000 |
| Net interest income | 343,000 | 675,000 | 1,036,000 | 1,404,000 |
| Noninterest income | 72,000 | 133,000 | 211,000 | 274,000 |
| Noninterest expense | 273,000 | 560,000 | 848,000 | 1,146,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 248,000 | 400,000 | 533,000 |
| Income tax | 9,000 | 18,000 | 18,000 | 29,000 |
| Net income | 133,000 | 230,000 | 382,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,791,000 | 3,768,000 | 3,820,000 | 3,862,000 |
| Total capital | 4,012,000 | 3,989,000 | 4,041,000 | 4,083,000 |
| Risk-weighted assets | 26,759,000 | 28,236,000 | 27,736,000 | 26,474,000 |