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 | 724,451,000 | 700,753,000 | 701,878,000 | 686,987,000 |
| Total loans | 189,914,000 | 195,796,000 | 199,204,000 | 199,897,000 |
| Allowance for loan losses | 3,284,000 | 3,332,000 | 3,367,000 | 3,381,000 |
| Securities available for sale | 396,533,000 | 375,387,000 | 356,542,000 | 345,324,000 |
| Securities held to maturity | 81,904,000 | 86,738,000 | 86,713,000 | 86,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 576,548,000 | 552,828,000 | 544,758,000 | 541,263,000 |
| Interest-bearing deposits | 422,865,000 | 403,054,000 | 385,842,000 | 384,410,000 |
| Noninterest-bearing deposits | 153,683,000 | 149,774,000 | 158,916,000 | 156,853,000 |
| Equity capital | 67,162,000 | 57,856,000 | 57,514,000 | 54,389,000 |
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 | 5,534,000 | 11,335,000 | 17,138,000 | 22,980,000 |
| Interest expense | 637,000 | 1,277,000 | 1,925,000 | 2,565,000 |
| Net interest income | 4,897,000 | 10,058,000 | 15,213,000 | 20,415,000 |
| Noninterest income | 1,652,000 | 3,238,000 | 4,795,000 | 6,303,000 |
| Noninterest expense | 3,555,000 | 7,067,000 | 10,552,000 | 14,109,000 |
| Provision for loan losses | 146,000 | 250,000 | 369,000 | 418,000 |
| Pretax income | 2,848,000 | 6,011,000 | 9,119,000 | 11,953,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,848,000 | 6,011,000 | 9,119,000 | 11,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,779,000 | 60,942,000 | 62,217,000 | 63,028,000 |
| Total capital | 63,202,000 | 64,404,000 | 65,685,000 | 66,483,000 |
| Risk-weighted assets | 273,614,000 | 276,771,000 | 277,303,000 | 276,160,000 |