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 | 52,633,000 | 54,366,000 | 54,373,000 | 55,862,000 |
| Total loans | 43,104,000 | 44,245,000 | 46,947,000 | 47,674,000 |
| Allowance for loan losses | 427,000 | 438,000 | 436,000 | 427,000 |
| Securities available for sale | 1,680,000 | 924,000 | 920,000 | 916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,684,000 | 47,848,000 | 45,687,000 | 46,963,000 |
| Interest-bearing deposits | 36,032,000 | 35,374,000 | 33,403,000 | 33,198,000 |
| Noninterest-bearing deposits | 12,652,000 | 12,474,000 | 12,284,000 | 13,766,000 |
| Equity capital | 3,826,000 | 3,902,000 | 4,047,000 | 4,105,000 |
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 | 672,000 | 1,360,000 | 2,101,000 | 2,833,000 |
| Interest expense | 57,000 | 111,000 | 164,000 | 219,000 |
| Net interest income | 615,000 | 1,249,000 | 1,937,000 | 2,614,000 |
| Noninterest income | 108,000 | 218,000 | 309,000 | 421,000 |
| Noninterest expense | 521,000 | 1,078,000 | 1,619,000 | 2,181,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 78,000 |
| Pretax income | 194,000 | 374,000 | 603,000 | 776,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 194,000 | 374,000 | 603,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,825,000 | 3,902,000 | 4,047,000 | 4,105,000 |
| Total capital | 4,252,000 | 4,340,000 | 4,483,000 | 4,532,000 |
| Risk-weighted assets | 36,303,000 | 38,536,000 | 40,273,000 | 41,826,000 |