Call reports 2013
CITIZENS BANK AND TRUST — 2013
What CITIZENS BANK AND TRUST 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 | 420,147,000 | 423,831,000 | 409,504,000 | 404,297,000 |
| Total loans | 279,563,000 | 277,798,000 | 285,315,000 | 281,199,000 |
| Allowance for loan losses | 6,598,000 | 5,802,000 | 5,811,000 | 5,501,000 |
| Securities available for sale | 91,792,000 | 89,918,000 | 89,678,000 | 86,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,495,000 | 368,369,000 | 346,522,000 | 349,625,000 |
| Interest-bearing deposits | 244,716,000 | 243,423,000 | 226,809,000 | 227,010,000 |
| Noninterest-bearing deposits | 121,779,000 | 124,946,000 | 119,713,000 | 122,615,000 |
| Equity capital | 35,344,000 | 35,251,000 | 36,081,000 | 36,322,000 |
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 | 3,838,000 | 7,728,000 | 11,830,000 | 15,896,000 |
| Interest expense | 278,000 | 516,000 | 735,000 | 930,000 |
| Net interest income | 3,560,000 | 7,212,000 | 11,095,000 | 14,966,000 |
| Noninterest income | 1,113,000 | 2,324,000 | 3,679,000 | 4,710,000 |
| Noninterest expense | 4,022,000 | 8,175,000 | 12,249,000 | 16,526,000 |
| Provision for loan losses | 218,000 | 229,000 | 247,000 | 466,000 |
| Pretax income | 433,000 | 1,160,000 | 2,305,000 | 2,712,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 433,000 | 1,160,000 | 2,305,000 | 2,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,839,000 | 36,849,000 | 38,028,000 | 38,469,000 |
| Total capital | 37,299,000 | 40,321,000 | 41,589,000 | 41,984,000 |
| Risk-weighted assets | 273,697,000 | 275,430,000 | 282,615,000 | 279,269,000 |