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 | 97,812,000 | 95,772,000 | 97,382,000 | 98,612,000 |
| Total loans | 48,098,000 | 46,767,000 | 46,577,000 | 47,035,000 |
| Allowance for loan losses | 475,000 | 485,000 | 469,000 | 471,000 |
| Securities available for sale | 37,182,000 | 36,704,000 | 35,778,000 | 38,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,725,000 | 79,335,000 | 81,135,000 | 82,906,000 |
| Interest-bearing deposits | 65,856,000 | 65,932,000 | 67,210,000 | 66,981,000 |
| Noninterest-bearing deposits | 14,869,000 | 13,403,000 | 13,925,000 | 15,925,000 |
| Equity capital | 11,928,000 | 11,769,000 | 11,622,000 | 11,074,000 |
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 | 949,000 | 1,882,000 | 2,788,000 | 3,716,000 |
| Interest expense | 214,000 | 412,000 | 602,000 | 785,000 |
| Net interest income | 735,000 | 1,470,000 | 2,186,000 | 2,931,000 |
| Noninterest income | 64,000 | 125,000 | 182,000 | 237,000 |
| Noninterest expense | 321,000 | 526,000 | 873,000 | 1,416,000 |
| Provision for loan losses | 0 | 10,000 | 285,000 | 285,000 |
| Pretax income | 478,000 | 1,059,000 | 1,210,000 | 1,467,000 |
| Income tax | 118,000 | 231,000 | 328,000 | 383,000 |
| Net income | 360,000 | 828,000 | 882,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,955,000 | 11,423,000 | 11,478,000 | 11,034,000 |
| Total capital | 11,430,000 | 11,908,000 | 11,947,000 | 11,505,000 |
| Risk-weighted assets | 55,970,000 | 54,968,000 | 55,376,000 | 55,926,000 |