Call reports 2013
CITIZENS BANK AND TRUST COMPANY — 2013
What CITIZENS BANK AND TRUST COMPANY 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 | 341,067,000 | 339,080,000 | 336,588,000 | 331,251,000 |
| Total loans | 191,988,000 | 191,097,000 | 192,286,000 | 187,603,000 |
| Allowance for loan losses | 2,468,000 | 2,261,000 | 2,259,000 | 2,339,000 |
| Securities available for sale | 98,469,000 | 104,177,000 | 101,545,000 | 98,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,512,000 | 287,235,000 | 283,132,000 | 283,353,000 |
| Interest-bearing deposits | 242,203,000 | 238,638,000 | 238,461,000 | 237,644,000 |
| Noninterest-bearing deposits | 45,309,000 | 48,597,000 | 44,671,000 | 45,709,000 |
| Equity capital | 38,800,000 | 37,410,000 | 38,011,000 | 39,245,000 |
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 | 3,386,000 | 6,849,000 | 10,258,000 | 13,605,000 |
| Interest expense | 571,000 | 1,100,000 | 1,597,000 | 2,049,000 |
| Net interest income | 2,815,000 | 5,749,000 | 8,661,000 | 11,556,000 |
| Noninterest income | 668,000 | 1,358,000 | 2,065,000 | 2,765,000 |
| Noninterest expense | 2,449,000 | 4,635,000 | 6,931,000 | 9,172,000 |
| Provision for loan losses | 25,000 | 38,000 | 120,000 | 190,000 |
| Pretax income | 1,012,000 | 2,437,000 | 3,678,000 | 4,962,000 |
| Income tax | 244,000 | 624,000 | 940,000 | 1,268,000 |
| Net income | 768,000 | 1,813,000 | 2,738,000 | 3,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,554,000 | 39,099,000 | 39,624,000 | 40,180,000 |
| Total capital | 41,014,000 | 41,360,000 | 41,883,000 | 42,519,000 |
| Risk-weighted assets | 196,794,000 | 198,478,000 | 199,511,000 | 195,739,000 |