Call reports 2013
CITIZENS BANK, THE — 2013
What CITIZENS BANK, THE 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 | 111,586,000 | 113,167,000 | 114,035,000 | 108,792,000 |
| Total loans | 68,760,000 | 71,527,000 | 73,548,000 | 69,467,000 |
| Allowance for loan losses | 1,041,000 | 1,083,000 | 962,000 | 1,028,000 |
| Securities available for sale | 32,316,000 | 31,364,000 | 29,939,000 | 28,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,984,000 | 85,126,000 | 87,097,000 | 91,957,000 |
| Interest-bearing deposits | 76,570,000 | 71,863,000 | 73,622,000 | 75,006,000 |
| Noninterest-bearing deposits | 14,414,000 | 13,263,000 | 13,475,000 | 16,951,000 |
| Equity capital | 14,657,000 | 13,233,000 | 12,501,000 | 12,226,000 |
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 | 1,257,000 | 2,551,000 | 3,896,000 | 5,191,000 |
| Interest expense | 251,000 | 498,000 | 739,000 | 961,000 |
| Net interest income | 1,006,000 | 2,053,000 | 3,157,000 | 4,230,000 |
| Noninterest income | 284,000 | 429,000 | 576,000 | 732,000 |
| Noninterest expense | 743,000 | 1,420,000 | 2,178,000 | 2,881,000 |
| Provision for loan losses | 90,000 | 180,000 | 420,000 | 510,000 |
| Pretax income | 457,000 | 882,000 | 1,135,000 | 1,571,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 457,000 | 882,000 | 1,135,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,758,000 | 13,866,000 | 13,317,000 | 13,498,000 |
| Total capital | 14,689,000 | 14,823,000 | 14,271,000 | 14,422,000 |
| Risk-weighted assets | 74,395,000 | 76,435,000 | 77,651,000 | 73,820,000 |