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 | 365,250,000 | 377,652,000 | 371,340,000 | 366,409,000 |
| Total loans | 245,655,000 | 251,499,000 | 251,610,000 | 256,342,000 |
| Allowance for loan losses | 3,691,000 | 3,753,000 | 3,686,000 | 3,961,000 |
| Securities available for sale | 46,979,000 | 49,552,000 | 52,756,000 | 50,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,647,000 | 329,609,000 | 322,086,000 | 317,687,000 |
| Interest-bearing deposits | 251,919,000 | 257,391,000 | 254,526,000 | 249,247,000 |
| Noninterest-bearing deposits | 63,728,000 | 72,218,000 | 67,560,000 | 68,440,000 |
| Equity capital | 34,169,000 | 32,895,000 | 34,132,000 | 33,862,000 |
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 | 4,602,000 | 9,204,000 | 13,697,000 | 18,184,000 |
| Interest expense | 763,000 | 1,490,000 | 2,201,000 | 2,865,000 |
| Net interest income | 3,839,000 | 7,714,000 | 11,496,000 | 15,319,000 |
| Noninterest income | 844,000 | 1,667,000 | 2,530,000 | 3,593,000 |
| Noninterest expense | 3,233,000 | 6,455,000 | 9,559,000 | 13,063,000 |
| Provision for loan losses | 209,000 | 334,000 | 496,000 | 858,000 |
| Pretax income | 1,241,000 | 2,592,000 | 4,096,000 | 5,116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,241,000 | 2,592,000 | 4,096,000 | 5,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,916,000 | 37,267,000 | 38,771,000 | 38,791,000 |
| Total capital | 39,887,000 | 40,316,000 | 41,823,000 | 41,847,000 |
| Risk-weighted assets | 236,992,000 | 243,255,000 | 243,492,000 | 243,551,000 |