Call reports 2013
CITIZENS BANK, N.A. — 2013
What CITIZENS BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 264,472,000 | 270,457,000 | 260,991,000 |
| Total loans | 119,866,000 | 118,537,000 | 113,412,000 |
| Allowance for loan losses | 2,803,000 | 2,756,000 | 2,752,000 |
| Securities available for sale | 117,996,000 | 121,147,000 | 103,529,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 178,555,000 | 187,370,000 | 179,358,000 |
| Interest-bearing deposits | 134,110,000 | 137,049,000 | 130,915,000 |
| Noninterest-bearing deposits | 44,445,000 | 50,321,000 | 48,443,000 |
| Equity capital | 32,415,000 | 28,737,000 | 28,107,000 |
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 |
|---|---|---|---|
| Interest income | 2,507,000 | 4,924,000 | 7,244,000 |
| Interest expense | 572,000 | 1,125,000 | 1,660,000 |
| Net interest income | 1,935,000 | 3,799,000 | 5,584,000 |
| Noninterest income | 1,131,000 | 1,651,000 | 3,154,000 |
| Noninterest expense | 2,508,000 | 5,092,000 | 7,529,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 558,000 | 465,000 | 1,828,000 |
| Income tax | 24,000 | 18,000 | 11,000 |
| Net income | 534,000 | 447,000 | 1,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 29,247,000 | 28,900,000 | 29,070,000 |
| Total capital | 31,319,000 | 30,960,000 | 31,046,000 |
| Risk-weighted assets | 164,949,000 | 164,033,000 | 157,271,000 |